{"id":1482,"date":"2025-05-11T19:26:37","date_gmt":"2025-05-11T23:26:37","guid":{"rendered":"https:\/\/irgmi.com\/Staging\/calculator\/"},"modified":"2025-12-16T14:31:03","modified_gmt":"2025-12-16T19:31:03","slug":"mortgage-calculator","status":"publish","type":"page","link":"https:\/\/irgmi.com\/Staging\/mortgage-calculator\/","title":{"rendered":"Mortgage Calculator"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-1482\" data-postid=\"1482\" class=\"themify_builder_content themify_builder_content-1482 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_uc6p156 tb_first tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_ktxa157 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_lhbx502   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h1>Calculator<\/h1>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module text -->\n<div  class=\"module module-text tb_09sr797   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <div id=\"MBBv3_Calculator\" data-type=\"MBBv3_Calculator\" data-filter=\"\"><mbb-paymentcalculator id=\"MBBv3_Calculator\"><div class=\"bbw-outer-container\">\r\n    <div class=\"bbw-outer-container-layout\">\r\n        <div class=\"bbw-grid\">\r\n            <div class=\"bbw-grid-item card\">\r\n                <div class=\"card-body\">\r\n                    <div id=\"MortgageCalculator\" class=\"mortgage-calculator\">\r\n                        \r\n<h2 class=\"bfg-text-title mb-3\">Payment Calculator<\/h2>\r\n<div class=\"bfg-text mb-3\">\r\n    <span class=\"chart-number\"><\/span> per month.\r\n    <span class=\"chart-period\"><\/span> fixed.\r\n    <span class=\"chart-interest\"><\/span>% interest.\r\n<\/div>\r\n\r\n<div class=\"calculator-content\">\r\n    <div class=\"section-1\">\r\n        <div class=\"calc-row-1\">\r\n            <div class=\"label-row\">\r\n                <label class=\"calc-price-label\" for=\"HomePrice\">Home Price<\/label>\r\n                <label class=\"calc-period-label\" for=\"period\">Loan Type<\/label>\r\n                <label class=\"calc-rate-label\" for=\"InterestRate\">Rate<\/label>\r\n            <\/div>\r\n            <div class=\"input-group\">\r\n                <div class=\"input-group-prepend\">\r\n                    <span class=\"input-group-text\">$<\/span>\r\n                <\/div>\r\n                <input type=\"text\" class=\"form-control principalInterestCal calc-price\" id=\"HomePrice\" value=\"500000\" format='Locale'>\r\n                <select class=\"form-control custom-select calc-period principalInterestCal\" id=\"period\" aria-describedby=\"period_label\" data-rate-15=\"6.68\" data-rate-30=\"7.32\">\r\n                    <option value=\"15\">15 year<\/option>\r\n                    <option value=\"30\" selected>30 year<\/option>\r\n                <\/select>\r\n                <div class=\"input-group-prepend \">\r\n                    <span class=\"input-group-text\">%<\/span>\r\n                <\/div>\r\n                <input type=\"text\" class=\"form-control calc-rate principalInterestCal\" id=\"InterestRate\"  value=\"7.32%\" aria-describedby=\"InterestRate_label\">\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"calc-row-2\">\r\n            <div class=\"label-row\">\r\n                <label for=\"DownPaymentDollar\">Down Payment<\/label>\r\n            <\/div>\r\n            <div class=\"input-group mb-3\">\r\n                <div class=\"input-group-prepend\">\r\n                    <span class=\"input-group-text\">$<\/span>\r\n                <\/div>\r\n                <input type=\"text\" class=\"form-control principalInterestCal\" id=\"DownPaymentDollar\" value=\"100000\" format='Locale' >\r\n                <div class=\"input-group-prepend\">\r\n                    <span class=\"input-group-text\">%<\/span>\r\n                <\/div>\r\n                <input type=\"text\" class=\"form-control calc-down-percent principalInterestCal\" id=\"DownPaymentPercent\" value=\"20%\" format='percent'>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"calc-row-3 chart-values\">\r\n            <div class=\"input-group\">\r\n                <div class=\"input-group-prepend\">\r\n                    <span class=\"input-group-text border-0 color-1 bfg-bg text-white\" color=\"color-1\" id=\"principal_label\">Principal & Interest<\/span>\r\n                <\/div>\r\n                <input type=\"text\" value=\"\" readonly disabled class=\"form-control form-control-plaintext donutchart\" format='Locale' id=\"principal\" name=\"principal\" aria-describedby=\"principal_label\">\r\n            <\/div>\r\n            <div class=\"input-group\">\r\n                <div class=\"input-group-prepend\">\r\n                    <span class=\"input-group-text border-0 color-2 bfg-bg text-white\" color=\"color-2\" id=\"insurance_label\">+ Home Insurance<\/span>\r\n                <\/div>\r\n                <input type=\"text\" value=\"$39\" class=\"form-control donutchart\" format='Locale' id=\"insurance\" name=\"insurance\" aria-describedby=\"insurance_label\">\r\n            <\/div>\r\n            <div class=\"input-group\">\r\n                <div class=\"input-group-prepend\">\r\n                    <span class=\"input-group-text border-0 color-3 bfg-bg text-white\" color=\"color-3\" id=\"propertytax_label\">+ Property Tax<\/span>\r\n                <\/div>\r\n                <input type=\"text\" value=\"$110\" class=\"form-control donutchart\" format='Locale' id=\"propertytax\" name=\"propertytax\" aria-describedby=\"insurance_label\">\r\n            <\/div>\r\n            <div class=\"input-group\">\r\n                <div class=\"input-group-prepend\">\r\n                    <span class=\"input-group-text border-0 color-4 bfg-bg text-white\" color=\"color-4\" id=\"hoafees_label\">+ HOA Fees<\/span>\r\n                <\/div>\r\n                <input type=\"text\" value=\"$25\" class=\"form-control donutchart\" format='Locale' id=\"hoafees\" name=\"hoafees\" aria-describedby=\"insurance_label\">\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n    <div class=\"section-2\">\r\n        <div class=\"chart mx-auto\">\r\n            <svg width=\"100%\" height=\"100%\" viewBox=\"0 0 45 45\" class=\"donut\">\r\n                <circle class=\"donut-ring\" cx=\"21\" cy=\"21\" r=\"15.91549430918954\" fill=\"transparent\" stroke=\"#d2d3d4\" stroke-width=\"5\"><\/circle>\r\n                <circle class=\"donut-segment color-1 stroke\" id=\"mc_principal\" cx=\"21\" cy=\"21\" r=\"15.91549430918954\" fill=\"transparent\" stroke-width=\"5\" ><\/circle>\r\n                <circle class=\"donut-segment color-2 stroke\" id=\"mc_insurance\" cx=\"21\" cy=\"21\" r=\"15.91549430918954\" fill=\"transparent\" stroke-width=\"5\" ><\/circle>\r\n                <circle class=\"donut-segment color-3 stroke\" id=\"mc_propertytax\" cx=\"21\" cy=\"21\" r=\"15.91549430918954\" fill=\"transparent\" stroke-width=\"5\" ><\/circle>\r\n                <circle class=\"donut-segment color-4 stroke\" id=\"mc_hoafees\" cx=\"21\" cy=\"21\" r=\"15.91549430918954\" fill=\"transparent\" stroke-width=\"5\" ><\/circle>\r\n                <g class=\"chart-text\">\r\n                    <text x=\"50%\" y=\"50%\" class=\"chart-number\"><\/text>\r\n                    <text x=\"50%\" y=\"50%\" class=\"chart-label\">per month<\/text>\r\n                <\/g>\r\n            <\/svg>\r\n        <\/div>\r\n        <div class=\"text-center px-2\">\r\n            Total interest paid over&nbsp;<span class=\"chart-period\"><\/span>s will be: <span class=\"chart-total-interest\"><\/span>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n<div class=\"bfg-text disclaimer lh-11\">\r\n    All estimates and provided for informational purposes only. Actual amounts may vary. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice.\r\n    Information, rates, programs and loan scenarios shown are for example only as of 30-Oct-2026 and are subject to change without notice.\r\n    Interest rates provided by the St. Louis Federal Reserve Economic Data (FRED).\r\n    All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply.\r\n    Contact your preferred lender for the pricing associated with your specific transaction.\r\n    Calculations are generated by Open Source mortgage calculation software tools using common mathematical formulas. All calculations should be independently verified.\r\n    <button tabindex=\"0\" class=\"btn btn-link p-0 border-0 s-inherit text-muted disclaimer\" href=\"#\" data-toggle=\"modal\" data-target=\"#disclaimermodal\" >See assumptions and disclosures<\/button>\r\n<\/div>\r\n<div class=\"modal disclaimer-modal\" id=\"disclaimermodal\">\r\n    <div class=\"modal-dialog\">\r\n        <div class=\"modal-content\">\r\n            <div class=\"modal-header\">\r\n                <h5 class=\"modal-title\" id=\"exampleModalLabel\">Assumptions and Disclosures<\/h5>\r\n                <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\r\n                    <span aria-hidden=\"true\">&times;<\/span>\r\n                <\/button>\r\n            <\/div>\r\n            <div class=\"modal-body\">\r\n                <ul class=\"disclaimer\">\r\n                    <li>Interest rates and APRs presented are based on current market rates, are for informational purposes only,\r\n                        are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details.<\/li>\r\n                    <li>This is not a credit decision or a commitment to lend.<\/li>\r\n                    <li>Depending on loan guidelines, mortgage insurance may be required<\/li>\r\n                    <li>If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available.<\/li>\r\n                    <li>APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest,\r\n                        most closing costs, discount points (also referred to as \"points\"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan).<\/li>\r\n                    <li>Your monthly payment is not based on APR, but instead on the interest rate on your Note.<\/li>\r\n                    <li>Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.<\/li>\r\n                    <li>These special rates presented here are only available when you pre-qualify and are not guaranteed until lock-in.<\/li>\r\n                    <li>Amounts may be rounded up. Additional fees and closing costs apply. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR.<\/li>\r\n                    <li>Calculations are generated by Open Source mortgage calculation software tools using common mathematical formulas. All calculations should be independently verified.<\/li>\r\n                    <li>Please contact a loan specialist to get specific payment examples and information regarding your particular needs.<\/li>\r\n                <\/ul>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n<\/mbb-paymentcalculator><\/div>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Calculator<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-1482","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"Darrow Bernick","author_link":"https:\/\/irgmi.com\/Staging\/author\/darrow\/"},"uagb_comment_info":0,"uagb_excerpt":"Calculator","builder_content":"<h1>Calculator<\/h1>\n<p>[mbb_widget data-type=\"Calculator\"]<\/p>","_links":{"self":[{"href":"https:\/\/irgmi.com\/Staging\/wp-json\/wp\/v2\/pages\/1482","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/irgmi.com\/Staging\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/irgmi.com\/Staging\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/irgmi.com\/Staging\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/irgmi.com\/Staging\/wp-json\/wp\/v2\/comments?post=1482"}],"version-history":[{"count":6,"href":"https:\/\/irgmi.com\/Staging\/wp-json\/wp\/v2\/pages\/1482\/revisions"}],"predecessor-version":[{"id":2371,"href":"https:\/\/irgmi.com\/Staging\/wp-json\/wp\/v2\/pages\/1482\/revisions\/2371"}],"wp:attachment":[{"href":"https:\/\/irgmi.com\/Staging\/wp-json\/wp\/v2\/media?parent=1482"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}