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Adjustable Rate Mortgage Calculator



    Calculator
Glossary
Adjustable rate mortgages can provide attractive interest rates, but your payment is not fixed. This calculator helps you to determine what your adjustable mortgage payments may be.

Enter Mortgage Information
Mortgage amount
Term
Starting interest rate
Months between
Months before first adjustment
Expected adjustment
Interest rate cap

Show amortization schedule by

 Year Month


        Mortgage amount
        Starting interest rate
        Term in years
        Interest rate cap
        Expected adjustment
        Months between adjustments
        Months before first adjustment
        Starting monthly payment
        Total payments
        Total interest
Mortgage amount

Original or expected balance for your mortgage.

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Starting interest rate

Initial annual interest rate for this mortgage.

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Term in years

The number of years over which you will repay this LOAN. The most common mortgage terms are 15 years and 30 years.

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Interest rate cap

This is the highest interest rate allowed by your mortgage. Your actual interest rate will not be adjusted above this rate.

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Expected adjustment

The amount you believe that your mortgage's interest rate will change. This amount will be added to or subtracted from your interest rate.

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Months between adjustments

The number of payment periods between potential adjustments to your interest rate. The most common is 12 months, which means your payment could change at most once per year.

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Months before first adjustment

This is the number of months that the interest rate is fixed. After this time has passed the interest rate will be subject to rate adjustments. If you enter zero in this field, we assume that the rate will begin making adjustments after initial period of time between adjustments have passed. If any number other than zero is entered, the first adjustment will take place at that time, and adjustments will happen at the frequency entered in the "months between adjustments" field.

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Starting monthly payment

Monthly principal and interest payment (PI) based on your beginning balance and starting interest rate.

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Total payments

Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.

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Total interest

Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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© 2006 LOAN Spart Corporation. All rights reserved.
 LOAN is a registered mark of the General Motors Acceptance Corporation.

 

© 2006 LOAN Spart Corporation. All rights reserved. LOAN is a registered mark of the General Motors Acceptance Corporation.

© 2005 LOAN Spart Corporation. All rights reserved.
 LOAN is a registered mark of the General Motors Acceptance Corporation.

 

© 2005 LOAN Spart Corporation. All rights reserved. LOAN is a registered mark of the General Motors Acceptance Corporation.