California Mortgage Rate Calculator [mortgagegoalrates.blogspot.com]
Question by denni89627: What is the best way to estimate a mortgage payment? I've seen so many mortgage calculators but when I called a bank to get pre-approved the payments were way higher. I got pre approved but here's the numbers: House is 299,000. Taxes are 5,900. Insurance 1300 a year. Mortgage rate is 5.25 for fixed 30 year. If i put down 15k I would expect a payment around 2100 a month give or take a hundred bucks according to almost all online calculators. My bank said my payment woud be closer to 2500. This does not inlcude closing costs (I planned to pay them right away) Am I missing something or is my bank trying to screw me because I make good money and have good credit? Best answer for What is the best way to estimate a mortgage payment?:
Answer by wg0z
hard to say. what did you estimate for PMI? you'll need it. some of the online tools dont account for everything. try a few other on-line calculators and/or mortage brokers.
Answer by Quicken Loans
A lot of mortgage calculators could have assumptions in the fine print - which is why the two estimates are off. I doubt the mortgage company is trying to screw you, they use a pretty standard equation for every person. The taxes are something that's determined by the city you're in - they are property taxes the bank is collecting from you in an escrow to pay the city. Closing costs are paid upon closing, they have nothing to do with monthly payments anyways. If the numbers seem off to you, I would call the bank, and have them explain each cost, and then compare it against the assumptions on one of the mortgage calculators. It's normal for the mortgage calculators to be less accurate because it's not customized to your situation as much.
Answer by Dannii
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Recently, California mortgage loans at low interest rates are available so that more people can apply to them. California mortgage loans are available to anyone who has a seniority of different credit and there are some available, even for people on low incomes. People with a history of bad credit or poor, which may not be able to borrow from commercial banks may apply to online mortgage loan California, because there are far-reaching programs available depending on the needs of all typespeople.
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The world of mortgages can be very confusing and there are many aspects to consider, like, how can people can comfortably afford, what kind of conditions they prefer calculator and more.
A mortgage rate calculator California is a technique or research tool that helps people solve some common problems that are associated with loans.A California mortgage rate calculator is a simple online form to use, basic detailsborrower's mortgage loan to calculate what they expected to pay for their home loan each month. The borrower can use to see what mortgage rates, costs for the various interest groups to help them, then the exact calculation of the mortgage for their home.
California mortgage rate calculator help you calculate the monthly payments, the loans must be made for payment. Help you decide the term of the loan shouldselected.
When borrowers uncertain about the level they need to borrow, they can easily calculate the amount.
is the amount you expect to pay a deposit when buying will be deducted from the cost of the house. The interest rate is the story on several factors such as the duration of the loan, the loan be affected and the solvency of the debtor. The results of California only loans have an initial overview of the monthly costs.real interest rates, terms and monthly payment information is obtained loans from mortgage lenders.Application of California mortgage loan rate to calculate Another is, payments for mortgage loans debt consolidation for which borrowers can compare their monthly savings on their traditional likely.
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