These financial calculators are invaluable tools for home buyers. Take a realistic look at your personal finances, find out how much you can borrow, and become better informed about the payment schedule you can live with.

These convenient Microsoft Excel spreadsheets, budget worksheet, and loan calculators give you instant access to the financial information you need to stay informed, make smarter decisions, and spend wisely.

NOTE: Some calculators require the Java plug-in from Sun Microsystems

• Loan Prequalification
  Use this calculator as your first step in determining your ability to qualify for a loan. While this calculator can't guarantee you will qualify for your new loan, it is a good check point to see if it is within your means.
• Fixed Mortgage Loan Payment Calculator
  Use this calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay, and your principal balances. You can even determine the impact of any principal prepayments!
• Adjustable Rate Mortgage Payment Calculator
  Adjustable rate mortgages can provide attractive interest rates, but your payment is not fixed. This calculator helps you to determine what your adjustable mortgage payments may be. 
• How much house can I afford? (Mortgage Qualifier)
  Find out how much you might be able to borrow and narrow down your price range before you start home-shopping.
• How much could I save by refinancing?
  Is it worth your time to refinance?  This calculator will help you find out.
• Refinance Break-even
  Use this calculator to determine if refinancing your mortgage is a sound financial decision.
• Refinance Interest Savings
  How much interest can you save if you refinance your mortgage? This calculator helps you find out!
• Rent vs. Buy
  Should you rent or should you buy your home? It takes more than looking at your mortgage payment to answer this question.
• Mortgage Payoff
  How much interest can you save by increasing your mortgage payment? This financial calculator helps you find out.
• Mortgage APR
  Use this calculator to determine the Annual Percentage Rate (APR) for your mortgage.
• Mortgage Points
  This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
• 15 Year vs. 30 Year Mortgage
  Determining which mortgage term is right for you can be a challenge. With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
• Loan Comparison Calculator
  Determining which loan provides you with the best value involves more than simply comparing monthly payments.
• Home Equity Line of Credit (HELOC) Payment Calculator
  For a ten year draw period, this calculator helps determine both your interest only payments and the impact of choosing to make additional principal payments.
• Debt Consolidation
  Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.