Calculators Monthly Payment Calculator – Allows you to explore the outcome of changes to your loan balance, mortgage term, and interest rate on your monthly P&I payments. Mortgage Payment Calculator – Displays your mortgage payment for the term of your loan. Mortgage Qualification Calculator – Shows you how much income you need to buy a home, based on your income and other factors. APR Calculator – Which loan is cheaper: 8% at 1 point or 7.75% at 2 points. By comparing the APRs of different loans, you can compare the effective cost of a loan for given period of time. Debt Consolidation Calculator – Can show you how to reduce your monthly payments and save money as well. Rent Vs. Buy Calculator – Allows you to compare the costs of renting a residence and buying a home. Calculate your credit – Find out what your credit rating is by answering a few simple questions.