Mortgages can be large and complex, but InTouch Credit Union offers calculators to address your most pressing financing questions. By inputting what you know, you can generate precise estimates to test your ideas and plans to inform your decision-making. Whether you are questioning the baseline affordability of a home or considering the type of home loan that is best for your budget, InTouch Credit Union wants you to be able to start the home-buying process on the right foot.
Becoming a homeowner costs more than just making monthly payments to pay off your mortgage. Take into consideration other expenses that go beyond principal and interest like property taxes and HOA fees. Learn how they factor into your monthly cost and see a breakdown over your loan term.
Becoming a homeowner costs more than just making monthly payments to pay off your mortgage. Consider other expenses that go beyond principal and interest like property taxes and HOA fees. Learn how they factor into your monthly cost and see a breakdown over your loan term.
When you're buying a home, mortgage lenders don't look just at your income, assets, and the down payment you have. They look at all of your liabilities and obligations as well, including auto loans, credit card debt, child support, potential property taxes and insurance, and your overall credit rating. Use our new house calculator to determine how much of a mortgage you may be able to obtain.
Refinancing gives homeowners the opportunity to update their mortgage terms and take advantage of lower rates. Whether through market changes or changes in your credit score, you could qualify for a lower rate and end up saving a significant amount of money on mortgage payments over time.
How much debt is too much? The acceptable amount of debt depends on your income and potential mortgage payment. Our debt ratio calculator can help you gauge your debt level and decide if steps might need to be taken to improve your situation. The three factors when calculating debt are after-tax income, mortgage payments, and any other consumer debt.
A home is typically the biggest purchase we ever make in our lives. When undergoing this journey, having reliable information makes all the difference in moving forward confidently. These estimates cannot answer every question nor anticipate everyone’s financial needs, but your trusted financial partners at InTouch Credit Union are here to help.
If you have further questions or need more information, we invite you to work with one of our professional mortgage loan officers. These home financing experts can help answer your questions and provide personalized estimates.
