Calculators

Check the numbers yourself

Monthly payment, affordability, refinance break-even and amortization. They run in your browser and nothing is sent anywhere. Raystar publishes no rates, so enter the one you were quoted.

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The rate you are comparing

Raystar does not publish rates, and this page does not show one. A number printed on a website is not an offer to anybody — your real rate depends on your credit, the loan size, the property, the term and the day it is locked. Enter whatever you were quoted elsewhere and all four calculators will use it.

Purchase price$275,000

Down payment10%

Term30 years

Property tax, % of value a year1.05%

Insurance, $ a year

HOA dues, $ a month

Tax rate, insurance premium and the mortgage-insurance factor are example defaults. Oklahoma insurance runs high on hail and wind, so a real quote for a real roof moves this more than people expect.

Estimated monthly payment, all in

Waiting for the rate you were quoted

Principal and interest—

Property tax—

Homeowners insurance—

Mortgage insurance—

HOA dues—

Loan amount—

Cash down—

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Gross monthly income

Other monthly debts

Cash for the down payment

Term

Debt-to-income ceiling used43%

Many loan programs sit comfortably around 43% total debt to gross income, which is why that is the default. Some go higher, some lenders go lower. It is a guideline, not a rule, and not a promise of approval.

Maximum purchase price, on these numbers

Waiting for the rate you were quoted

Monthly budget available—

Principal and interest—

Tax and insurance, estimated—

Mortgage insurance—

Loan amount—

Down payment as a share—

Uses the same tax rate, insurance and mortgage insurance as the Monthly payment tab, so the two tabs always agree about the same house. An illustration, not a pre-approval and not an offer of credit.

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Your payment now, P&I only

Balance you would refinance

New term

Refinance closing costs

Years you expect to stay

Use principal and interest only on both sides. Taxes and insurance do not change because you refinanced, so including them only muddies the comparison. The closing-cost default is an example.

Break-even point

Waiting for the rate you were quoted

New payment at that rate—

Monthly saving—

Where you stand by the time you move—

A refinance may increase the total charges over the life of the loan even when it lowers the monthly payment. Nothing here is a commitment to lend.

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Loan amount

Term

Extra principal each month

The line nobody shows you: how much of the loan you have actually repaid against how much interest you have handed over. Adding even a small amount of extra principal moves both lines more than most people expect — try 100.

Total interest over the life of the loan

Waiting for the rate you were quoted

Balance remainingInterest paid to date

Monthly principal and interest—

Paid off in—

Interest saved by the extra payment—

Halfway point on the balance—

Talk through the term with Stella

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Send her a short note or call (918) 395-9200. No credit check until you say so.

Get a callback Check if I can qualify

Programs are subject to eligibility, underwriting and lender guidelines; not all applicants will qualify. Nothing on this page is a commitment to lend or a rate quote. Raystar Mortgage Group Inc, NMLS 305952. Stella Courtney, NMLS 307689. Equal Housing Lender.