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Calculators

Could a new loan pay off your debts?

See what you pay today next to a new loan that pays off your debts, and what each one costs over time. Save it as a PDF to talk it through.

Calculator

Compare your options

You type every number. Nothing here is today's rate, and nothing you type is saved or sent.

Fill in your own numbers, or try an example to see how it works.

Your home and mortgage
$
$
$
$

Include any mortgage insurance. Type 0 if you pay these yourself.

Your debts

Add each one, then choose which ones to pay off.

$
$
The new loan

Use the rates a lender quoted you.

Cash-out refinance

$
New loan length

Home equity line

$
$

Optional. It adds to the new loan.

Side by side

Today

Your loans and debts as they are.

Add your home, mortgage, and debts to see this.

Cash-out refinance

A new first mortgage pays off your debts.

Add your home, mortgage, and debts to see this.

Home equity line

Your mortgage stays. A line pays off your debts.

Add your home, mortgage, and debts to see this.

What this assumes

  • Rates stay the same and you don't borrow more. A home equity line's rate usually changes over time.
  • Every option keeps the taxes and insurance you typed. A new loan can change mortgage insurance.
  • Closing costs go into the new loan.
  • A blended rate is weighted by balance. It is not an APR.
  • Each lender sets how much of a home's value it lends against. Ask what fits your situation.
  • Nothing you type is saved or sent. The PDF is made on your device.

This is an estimate, not a loan offer. A lender has to confirm it.

This is not a commitment to lend or lock a rate.

Rates change. Call us. (480) 297-8855

Next steps

Where to go from here

Ask for a quote

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