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Pennsylvania Mortgage Refinance Calculator

Peennsylvania state flagThis Pennsylvania refinance calculator was designed for mortgage loan officers. The operation is simple, enter the mortgage payoff(s) (and any other monthly debt to be paid off under the refinance) in the monthly debt table (tick the check box for debt to be paid off) and the calculator will estimate the new mortgage amount with real estate taxes and insurance if entered.



| PA REFINANCE CALCULATOR | MONTHLY INCOME CALCULATOR |
  PENNSYLVANIA REFINANCE   Account Name   Payment Balance Payoff
       
  Interest Rate       2nd Mortgage - closed end
  Discount Points                
  Loan Term         Monthly Debt Obligations
  Annual Homeowners Insurance   Waive Escrow    
  Annual Real Estate Taxes   Waive Escrow    
       
  Payoff          
  New Mortgage Amount          
  New Payment          
       
  Market | Appraised Value        
  Loan To Value (LTV)        
  Combined Loan To Value (CLTV)        
       
   
  Monthly Income        
  Front Ratio          
  Back Ratio          
   
        CASH BACK AT CLOSING  
  Loan Costs   BRING CASH TO CLOSING  
1 .Origination charge (Points - see above))              
2 Processing               Payment Balance  
3           Non-Payoff  
4                  
5           Payoff  
6                      
7          
8           MORTGAGE PAYMENT
B. Services Borrower Did Not Shop For         Principal & Interest  
1 .Appraisal fee           Real Estate Taxes  
2 .Credit report           Homeowners Insurance  
3 .Tax service           Homeowners | Condo Association  
4 .Flood certification           Mortgage Ins. Premium (PMI)  
5           TOTAL  
6            
7           Current Payments (all)  
8           After Refinance (all payments)  
9            
10            
C. Services Borrower Did Shop For          
1 PA 100       Details of the Transaction
  PA 300 - SURVEY EXCEPTION       Payoff  
  PA 900 - ENVIRONMENTAL       Closing & Prepaid Costs  
  PA 710 - VARIABLE RATE       Total  
  PA 810 - CONDOMINIUM       Less Cash Brought to Closing  
  PA 820 - PLANNED UNIT DEV.       Cash Back at Closing *  
  PA 1020 - FNMA BALLOON       Less mortgage  
        Total Required at Closing  
        * included in mortgage  
         
        Links
           
2 Title - Closing Escrow         Genworth Mortgage Insurance  
3            
4 Title Lenders Policy       MGIC - Rate Finder    
5              
6         MGIC - Rate Card    
7              
8            
         
D. TOTAL LOAN COSTS (Borrower Paid) (A + B+ C)      
                 
  Other Costs    
E. Taxes and Other Government Fees          
1 Recording Fees       127.50      
F. PrePaids          
1 Homeowners insurance (Months)          
2 Mortgage insurance premium              
3 Prepaid Interest (Days)          
4 Property taxes (Months)          
5          
G. Initial Escrow Payment at Closing            
1 Homeowners insurance (Months)          
2 Mortgage insurance          
3 Property Taxes            
4 Borough Property Taxes            
5 County Tax            
6            
7            
8            
               
           
H. Other              
1            
2        
3        
4        
5          
6          
7          
8        
I. TOTAL OTHER COSTS (Borrower Paid) (E + F + G + H)            
J. TOTAL CLOSING COSTS (Borrower Paid)              





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