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Which Loan Type? 
State 

Avg. Annual R.E. Taxes 


Avg. Annual HO Insurance 


Purchase Price


Monthly Fee 

MI/PMI Factor 

Down Payment 
 

Compare your rate options then check the totals below.

Fixed Interest Rate 
APR:  
Term
30 Years
Principal & Interest 

Hybrid ARM Rate 
APR:  
Term
30 Years
Principal & Interest 

Monthly Expenses

Taxes 

Insurance 

MI/PMI 

Total Payment with Fixed 

Total Payment with ARM 

Monthly Savings 

Years Before Rate Adjustment 
Payment Savings 

Extra Balance Reduction 

Total Benefit 

Other Benefits to Consider

Rate of Return 
Value of Savings if Invested 

Extra Added Benefit of 

Income to Qualify at Ratio of 
Income to Qualify for Fixed Rate 

Income to Qualifly for ARM