MISC
·
Mortgage Calculator
Wholesale Rate Sheet Pricing
For mortgage professional use only — not an advertisement for the extension of credit to consumers — rates subject to change without notice
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Loan details
Conv 30yr
Conv 15yr
SOFR 7/6m ARM
SOFR 5/6m ARM
FHA 30yr
FHA 15yr
VA 30yr
VA 15yr
USDA RD
Loan purpose
Purchase
Rate & Term Refi
Cash-Out Refi
Purchase / appraised value
$
Down payment
$
%
$
20%
%
Total loan amount
—
Home value / appraised value
$
Existing mortgage balance
$
Cash-out amount
$
Total loan amount
—
New loan amount
(existing balance + costs to roll)
$
Credit score
State
Kansas (KS)
Missouri (MO)
Oklahoma (OK)
Other state
Occupancy
Primary Residence
Second Home
Investment
Property type
Single Family / Detached
Condo
Multi-Unit
Manufactured
PUD
Escrows
Yes — with escrows
No — waived
Conv LLPA waiver
(primary only)
No
Yes — waiver applies
Subordinate financing
(excl. community seconds)
No
Yes
Annual property taxes
$
Annual homeowner's ins.
$
HOA (monthly)
$
Include PMI (LTV > 80%)
% annual PMI rate
UFMIP rate (financed into loan)
%
Annual MIP rate
%
VA funding fee rate (financed into loan)
%
USDA upfront guarantee fee (financed)
%
Annual guarantee fee
%
Rate sheet pricing — MISC Wholesale
10 Day
30 Day
50 Day
Rate
Base price
LLPA cost
Net price
Borrower cost / credit
Prepaids & escrow setup
Prepaid interest (days)
days
Initial escrow deposit
(auto = 2 mo. tax+ins)
$
Seller concession
Amount
$
Lender credit
Amount
$
Estimated monthly payment
—
Select a rate to calculate
Principal & interest
—
Property taxes
—
Homeowner's ins.
—
PMI
—
HOA
—
⚠ Product eligibility notices
Closing costs
fee table
Origination & lender fees
Processing fee
$700
Underwriting fee
$850
Discount points
—
Third-party fees
Appraisal fee
—
Credit report
$207
Final inspection
$250
Title charges
(est.)
—
Taxes & govt fees
(est.)
—
Additional charges
(est.)
—
Govt upfront fee
FHA UFMIP
—
Total closing costs
—
APR
(Reg Z est.)
—
Prepaids
Prepaid interest
—
Homeowner's insurance (12 mo.)
—
Initial escrow deposit
—
Total prepaids
—
Credits
Seller concession
—
Lender credit
—
Total credits
—
Cash to close
Transaction summary
Purchase price
—
Down payment
—
Base loan amount
—
Financed fee
—
Total loan amount
—
Funds needed at closing
Down payment
—
Closing costs
—
Prepaids
—
Credits
—
Transaction summary
Appraised value
—
Existing balance
—
Cash-out amount
—
New loan amount
—
New LTV
—
Funds needed at closing
Closing costs
—
Prepaids
—
Credits
—
Cash-out proceeds
—
Cash to close
—
Estimated funds needed at closing
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Loan Option Comparison
Configure up to 3 scenarios. Results update automatically.
Shared loan details
Loan purpose
Purchase
Rate & Term Refi
Cash-Out Refi
Purchase / appraised value
$
Down payment
$
%
$
20%
%
Total loan amount
—
Home value / appraised value
$
Existing mortgage balance
$
Cash-out amount
$
Total loan amount
—
New loan amount
(existing balance + costs to roll)
$
Credit score
State
Kansas (KS)
Missouri (MO)
Oklahoma (OK)
Other state
Occupancy
Primary Residence
Second Home
Investment
Property type
Single Family / Detached
Condo
Multi-Unit
Manufactured
PUD
Escrows
Yes — with escrows
No — waived
Conv LLPA waiver
(primary only)
No
Yes — waiver applies
Subordinate financing
(excl. community seconds)
No
Yes
Annual property taxes
$
Annual homeowner's ins.
$
Prepaid interest (days)
days
Initial escrow deposit
(auto = 2 mo. tax+ins)
$
1
Conv 30
Conv 15
FHA 30
FHA 15
VA 30
VA 15
7/6 ARM
5/6 ARM
USDA
Lock period
10 Day
30 Day
50 Day
Interest rate
%
Down payment
$
%
$
20%
%
FHA UFMIP rate
%
PMI rate
(annual %)
%
Rate sheet pricing
Rate
Borrower cost / credit
2
Conv 30
Conv 15
FHA 30
FHA 15
VA 30
VA 15
7/6 ARM
5/6 ARM
USDA
Lock period
10 Day
30 Day
50 Day
Interest rate
%
Down payment
$
%
$
20%
%
FHA UFMIP rate
%
PMI rate
(annual %)
%
Rate sheet pricing
Rate
Borrower cost / credit
3
Conv 30
Conv 15
FHA 30
FHA 15
VA 30
VA 15
7/6 ARM
5/6 ARM
USDA
Lock period
10 Day
30 Day
50 Day
Interest rate
%
Down payment
$
%
$
20%
%
FHA UFMIP rate
%
PMI rate
(annual %)
%
Rate sheet pricing
Rate
Borrower cost / credit
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