Compare mortgage offers when you’re choosing a home loan or deciding whether to refinance. Enter each loan’s APR, interest rate, fees, term, and loan amount to compare estimated payments and borrowing costs over time. You’ll leave with a side-by-side cost comparison and a list of the figures that make one offer cheaper than another.
APR Comparisons
Compare mortgage APRs, fees, and loan terms to see which offer costs less.
Use APR Comparisons
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What it writes
- Side-by-side mortgage cost comparison
- Estimated monthly principal and interest
- Break-even estimate for upfront fees
How to use it
Include each offer’s loan amount, term, APR, note rate, and itemized upfront fees. Add how long you expect to keep the mortgage so the comparison can show when lower fees or a lower rate may matter more.
What you bring
- Loan amount and repayment term
- APR, interest rate, and lender fees
- How long you expect to keep the loan
- Have at least two mortgage offers to compare
A good fit for
- Choosing between two mortgage offers with different lender fees
- Comparing a low-rate loan with points against a higher-rate offer
- Checking refinance offers with different terms and closing costs
Ways to start
A few requests this Agent can handle.
I’m buying a $420,000 home and comparing a 6.4% APR with $3,200 in fees against a 6.6% APR with $900 in fees, both 30-year fixed loans.
Compare these refinance offers: $280,000 balance, 20 years left; one has a 5.8% rate, 6.0% APR, and $4,500 costs, the other 5.95% rate, 6.05% APR, and $1,800 costs.
My lender offered a 15-year fixed loan at 5.7% APR with $2,500 in fees or a 30-year fixed loan at 6.2% APR with $1,200 in fees. Which costs less over five years?
Good to know
This workspace provides text assistance.
- Choosing a mortgage without actual offer terms
- Financial advice or lender recommendations
- Estimates depend on figures you enter and omit taxes or insurance.
- Cannot verify lender quotes or calculate changing market rates.
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What am I buying?
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Can I use the response in my work?
Use it as a draft to review and adapt. Verify calculations, facts, rights, and suitability before relying on it. Do not provide information you do not have permission to share.
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