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Mortgage Wizard

Use our Loan Wizard Mortgage Affordability Worksheet to help you determine the mortgage loan financing amount for which you could potentially qualify. These calculations are based on standard guidelines that lenders use to determine loan amounts that borrowers are eligible to receive. Some of the factors used to determine how much money may be financed include income, total mortgage payments and total debt payments. Loan Wizard will display the results along with an amortization payment schedule, if desired.

Interest Rate
(enter the interest rate of the loan, without percentage sign - e.g., enter as 8.5 not as .085)

Rate: %

Term of Loan
(number of months or years to borrow)

Term of loan: Months Years

Payment Frequency
(how you choose to repay the loan)

Bi-weekly Monthly

Monthly Gross Income:

Other Monthly Mortgage Expenses

Private Mortgage Insurance (PMI):
Real Estate Taxes:
Home Insurance:
Homeowners, Condo / co-op maintenance:

Monthly Debt Expenses

Total Car Payments:
Total Credit Card Payments:
Total Other Monthly Debt Payments:

Payment Amortization Schedule
(shows the dollar amounts apportioned to principal and interest)

Yes No

Note: The Loan Wizard is intended to provide approximate information about your loan payments and does not constitute an offer to extend credit. Your actual payment information may vary. Please contact the credit union for exact payment information.