REFINANCE WORKSHEET

This does not constitute loan approval or a commitment to rate, fees or terms. Interest rates are NOT Annual Percentage Rate Figures ("APR") nor is this a disclosure statement. The information mentioned herein is subject to change without notice.

• Step 1

  Estimated Closing Date:
  Estimated Value:
  Equity:
  Mortgage:
  Loan-to-Value:
  

  Program: 30-Year Fixed

  Term (Years):
  Interest Rate:
  

  Total Housing Costs

  Principal & Interest:
  Mortgage Insurance:
  Property Taxes:
  Hazard Insurance:
  Total Housing:
  

  Step 2

  Debts

  Consumer Debt:
  Car Payment:
  Total Debts:
  

  Income

  Personal Gross Monthly Income:
  Total Income:
  

  Target Ratios: 44.99% / 49.99%

  Top Ratio:
  Bottom Ratio:
  

• Estimated Closing Costs

  Loan Origination Fee:
  Appraisal:
  Credit Report:
  Tax Service:
  Underwriting:
  Processing:
  Title Insurance:
  Escrow:
  Total Est. Closing Costs:
  

  Step 3

  Estimated Prepaid Expenses

  Estimated Time (Days):
  Prepaid Interest (Per Day):
  Total Prepaid Interest:
  Hazard Insurance:
  Mortgage Insurance:
  Property Taxes (Impounded):
  Total Prepaid Expenses:
  Amount Financed on Loan: