Client & debts
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New loan
Product
Loan program
A HELOC is a conventional second lien, so FHA and VA apply to cash-out refinances only.
FHA mortgage insurance
Unchecked = paid at closing.
VA funding fee
VA loan use
Common exemptions
Receiving VA compensation for a service-connected disability (or eligible for it but receiving retirement or active-duty pay instead) · surviving spouse receiving DIC · service member with a proposed or memorandum rating before closing (pre-discharge claim) · active-duty Purple Heart recipient. Confirm on the Certificate of Eligibility.
Unchecked = paid at closing.
More options costs, APR, taxes & insurance
Costs & APR
Prepaid finance charges: points, lender fees, prepaid interest. Leave out the FHA upfront MIP and VA funding fee; the app adds them to the APR.
Monthly housing costs
Unchecked = savings compare principal & interest only.
HELOC terms required HELOC disclosures
Assumptions shown in the fine print optional
Terms, rates & extra payments
Terms & rates
Extra payments
Also compare up to 4 amounts in total
Added to principal every month. Payments and time to payoff only; no interest or cost figures are shown. The graphics add a line to each option and an "Extra payments" page.