 Contained on this page are a variety of online mortgage tools, hyperlinks, and web calculators for mortgage brokers, mortgage bankers and lenders; including online title insurance and transfer tax calculators. I created this page because I was tired of weeding through my bookmarks for web sites and I desired a source of web based calculators to discuss mortgage options with customers online; and to make simple calculations without going through a laborious LOS program. These online tools are free to use for personal use. You are not permitted to reproduce, modify, or reverse engineer the online web pages and/or lender tools. The use of these calculators are for illustrative purposes only. I can not and do not guarantee the applicability or accuracy of these calculators. If you're an out of state lender, make sure you are in compliance with the mortgage origination laws of Pennsylvania. If you desire a calculator, or see an inaccuracy, please send me an E-Mail - AnytimeEstimate.
DOWNLOAD - CALCULATORSThese calculators/spreadsheets are protected with a third party software. Upon downloading you will receive the obligatory warning regarding viruses, it does not contain any. Nothing will install on your computer - it's a protected spreadsheet.
Requires a Windows© operating system and Microsoft Excel 2000 or later SALES PRICE ESTIMATOR
This tool will estimate the "ideal" sales price based on a buyer's monthly income and debt. In short, this spreadsheet calculates in reverse. Simply enter the monthly income, monthly debt, choose the mortgage type (i.e. FHA, VA or Fannie/Freddie), interest rate, etc. and the spreadsheet will estimate the sales price and likely closing costs based on the front end and back end ratio. This calculator will load as an Excel® spreadsheet.
Download Fannie, Freddie, VA, FHA, HUD Median income and My Community limits for all US counties.
Simple operation, just choose the state with the drop down arrow and then choose the US county - that's it! The MSA will also report. This calculator will load as an Excel® spreadsheet.
Download FHA MORTGAGE INSURANCE & MIP CALCULATOR:
This spreadsheet will calculate the FHA Mortgage Insurance Funding Fee (UFMIP) and monthly mortgage insurance premium (mip). Simple operation, just choose the state with the drop down arrow and then choose the US county - that's it! This calculator will load as an Excel® spreadsheet
Download VA MORTGAGE LOAN & FUNDING FEE CALCULATOR:
This spreadsheet will calculate the VA Mortgage Insurance Funding Fee (UFMIP) and monthly mortgage payment. Simple operation, just choose the state with the drop down arrow and then choose the county - that's it! This calculator will load as an Excel® spreadsheet
Download 1/1, 3/1, 5/1, 7/1 & 10/1 Adjustable Rate Mortgage Payment Calculator:
This spreadsheet will calculate the monthly mortgage payment for 1/1, 3/1, 5/1, 7/1 & 10/1 Adjustable Rate Mortgages (ARM's), based on on the annual and lifetime interest rate cap. This calculator will load as an Excel® spreadsheet
Download WEB MORTGAGE LOAN CALCULATORSMonthly Payment Calculator
I know what you're thinking, another mortgage calculator, so what? But what happens when there's a rate bump? Mortgagees want to "wait" until the rates comes down. But how much does the interest rate affect the monthly mortgage payment? This monthly payment calculator will compare two side by side mortgage payments (i.e. fully amortizing, interest only, biweekly, etc.). This calculator will demonstrate the insignificance of nominal interest rate increases. This calculator will also work those - what if scenarios?
Payment Estimator for Mortgage & Loan Payments | Calculate Payment
Mortgage Prequalification
Lenders, tired of banging on your calculator for year to date income? Converting hourly wage into monthly income? Try this prequalification calculator. This web tool will easily calculate monthly income from several income sources. This tool will also calculate assets and debt, including the sale of a home.
Mortgage Loan Prequalification Calculator | Monthly Income Calculator Debt To Income Calculator
Simple web based tool to calculate the "ideal" monthly mortgage payment from monthly income and debt. FHA, VA & conventional mortgage loans.
Mortgage Loan Prequalification Calculator | Monthly Income Calculator APR Cost Calculator
Closing cost comparison tool for calculating the closing costs from APR and simple interest rate. Good tool for customers who are focused on interest rate and not the "total" cost of the loan.
APR Calculator & Interest Rate Cost Comparison | What's APR? FHA Funding Fee & MIP Calculator
The FHA Funding Fee & MIP calculator, also known as upfront mortgage insurance premium will calculate the upfront cost of an FHA mortgage and monthly mortgage insurance premium (MIP).
FHA Funding Fee & Monthly Mortgage Insurance (MIP) Calculator TRANSFER TAX & TITLE INSURANCE CALCULATORSIf you are a mortgage lender or title insurance agent and desire to collaborate on a calculator, please send me an E-Mail AnytimeEstimate. You will be given credit on the web page for your contribution. Pennsylvania Specific Calculators Pennsylvania Good Faith Estimate Calculator (GFE)
This calculator was designed to give the Pennsylvania Realtor®, real estate agent, home buyer, and mortgage lenders a simple calculator (buyer's cost sheet or estimate) for FHA, VA & conventional mortgages in PA.
PA Hm Buyer Purchase Estimate Calculator
Pennsylvania Good Faith Estimate Comparison Calculator
This calculator is similar to the Pennsylvania Good Faith Estimate Calculator above, with a twist. It will compare three side by side mortgage loan scenarios (i.e. FHA, VA, and conventional). What if I increase the down payment? What if the interest rate changes? What if the seller makes a counter offer?
PA Closing Cost & Mortgage Comparison Calculator | Estimate Costs Pennsylvania Seller Closing Cost & Net Calculator
This calculator was designed for PA home sellers, Pennsylvania Realtors® and real estate agents. However, mortgage lenders will find this calculator useful for pre-qualifying home sellers for a mortgage - proceeds from the sale of a home.
PA Home Seller | Seller Closing Cost Calculator | Seller Net Proceeds Pennsylvania Property Tax Proration Calculator
This calculator will estimate the real estate tax proration at settlement between buyer and seller.
Property Tax Proration Calculator | Calculate the proration at closing
Mortgage Brokers | Mortgage Bankers | Lenders
Pennsylvania Good Faith Estimate For Lenders
This is more robust than the other good faith estimate calculators. This calculator is similar to the NEW HUD-1 and GFE. It also incorporates the debt and asset calculators. Lender Purchase  Pennsylvania Refinance Calculator For Lenders
Neat tool for preliminarily evaluating an applicant prior to application. Simply enter the mortgage balance, and existing debt. Enter the estimated appraised value and the DTI and loan to value (LTV) will calculate. Answers the "what if I payoff this".
PA Home Mortgage Refinance Calculator- Estimate Your Closing Costs
DOWNLOADS Coming soon Transfer Tax in PennsylvaniaIn Pennsylvania, we have a deed transfer tax. Think of it as sales tax on real estate. The State of Pennsylvania charges 1% of the sales price and the municipality and school district USUALLY charge 1% between them for a total of 2% (i.e. 2% X 100,000 = 2,000). By custom, the buyer and seller split the cost. 1% to buyer, 1% to seller. Some municipalities and/or school districts charge more or less. Here is a list of exceptions (add one percent to these values and divide by 2 if the buyer and seller are splitting the deed transfer tax). PENNSYLVANIA - DEED TRANSFER TAX EXPLANATION Always ask the buyer or real estate agent for the correct deed transfer tax percentage, as this chart may be out of date. ALLEGHENY COUNTY
Municipal Phone Numbers for Allegheny County
Bellvue Borough – 1½%
Bethel Park Municipality – 1½%
Greentree Borough – 1½%
Hampton Township – 1½%
McCandless – 1½%
City of McKeesport– 2%
Monroeville Municipality – 1½%
Mt. Lebanon Municipality – 1½%
Mt. Oliver Borough – 2%
O’Hara Township – 1½%
Penn Hills Municipality – 2%
Pine Township – 1½%
City of Pittsburgh– 3%
Upper St. Clair Twp – 1½%
West Deer Township – 1½%
Whitehall Borough –1¼
BEAVER COUNTY
Georgetown Borough – ½%
Hookstown Borough – ½%BERKS COUNTY
City of Reading– 4% CENTRE COUNTY
Taylor Township – ½%
Ferguson Township – 1¾%
State College Borough – 1½% | CHESTER COUNTY
City of Coatesville– 2%
Tredyffrin Township – 1½%CLINTON COUNTY
Colebrook Township – ½%
East Kating Twp – ½%
Logan Township – ½% DELAWARE COUNTY
Randor Township – 1½%
Upper Providence Township – 1½% LACKAWANNA COUNTY
City of Scranton– 3% LUZERNE COUNTY
Kingston Borough – 1½%
City of Wilkes Barre– 2% MERCER COUNTY
City of Farrell– 2%
City of Hermitage– 1½%
Sheakleyville Borough – 0% PHILADELPHIA COUNTY
City of Philadelphia– 3% SOMERSET COUNTY
Wellersburg Borough – ½% WASHINGTON COUNTY
Peters Township – 1½% |
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