WSECU Mortgage Rates and Calculators


WSECU online Banking » WSECU Mortgage Rates and Calculators

WSECU mortgage calculators allow users to determine the various home financing options available to them, and help them decide which form of home financing best fits their specific needs. WSECU mortgage loans feature either fixed or adjustable rates, a wide array of mortgage options, and access to home loan consultants. More detailed information regarding WSECU mortgages can be found on this webpage

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Rates

WSECU mortgage loan rates can be viewed here.

(Note: rates are representative – actual rates will vary according to an applicant’s credit history and current financial circumstances.)

Calculators

How to Calculate

Determines approximately how large of a mortgage an individual might be able to qualify for. Enter the following inputs (the inputs can also be adjusted via the calculator’s sliders):

Select what to calculate for via the drop-down menu

  • Annual income
  • Purchase price
  • Total monthly payment
  • Term length in years
  • Interest rate
  • Property tax
  • Home insurance
  • Cash on hand (down payment)
  • Loan origination
  • Points paid
  • Other closing costs
  • Monthly car payments
  • Credit card payments
  • Other loan payments

The result will display at the top of the calculator as the inputs are altered/entered. Click the ‘View Report’ button for detailed results.

Compares the total costs of a 15 year mortgage versus a 30 year mortgage, in order to determine which term length is the better option. Enter the following inputs into the appropriate fields within the calculator:

  • Mortgage amount
  • Marginal tax rate
  • Interest rate for 15 years
  • Interest rate for 30 years

The result will generate above the calculator as the inputs are altered/entered. Click the ‘View Report’ button for detailed results.

This calculator will compare the associated costs of renting a home versus purchasing one, in order to determine which option makes the most sense for the user. Enter the following variables: wsecu-rent-vs-buy-calc

  • Purchase price
  • Interest rate
  • Term length in years
  • Property tax rate
  • Home insurance
  • Maintenance/association fees
  • Cash on hand (down payment)
  • Loan origination
  • Points paid
  • Other closing costs
  • Monthly rent payment
  • After tax investment return
  • Income tax rate
  • Expected inflation
  • Home appreciation percentage
  • Future sales commission percentage

Press the ‘View Report’ button for detailed results. The main result of the calculation will generate above the calculator as the inputs are altered/entered.

Calculates how much less the monthly payment will be on a refinanced mortgage, based on the following inputs:

  • Original loan amount
  • Appraised value
  • Original interest rate
  • Term length in years
  • Years remaining
  • Income tax rate
  • Loan balance (new mortgage)
  • Appraised value
  • Interest rate
  • Term length in years
  • Loan origination rate
  • Points paid
  • Other closing costs

The result will generate above the calculator as the inputs are altered/entered. For detailed results click the ‘View Report’ button at the bottom of the calculator.

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