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The calculator is for residential properties and mortgages. Additional conditions may apply. Calculation assumes constant interest rate throughout amortization period. The interest rate shown is calculated either semi-annually not in advance for fixed interest rate mortgages or monthly not in advance for variable interest rate mortgages.

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Current interest rate-this is the rate on your current loan. If you have a second mortgage, just use the interest rate from your first one; Current principal and interest payment-the amount you pay monthly minus taxes and insurance. Be sure to check your monthly statement and enter just the principle and interest amount

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Zeibert gives the example of a 30-year fixed loan of $250,000 at a 4% interest rate. “Biweekly payments. says Kevin Torres, a mortgage product strategist at the credit union. It also has a free.