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Mortgage Center

Mortgage Calculators

| Loan Calculators | Mortgage Pre-Qualifier | Rent vs. Buy |
| Amortization | Loan Comparison |





Loan Calculators

HawaiiUSA FCU members can use this calculator to help obtain an estimated monthly payment for their consumer loan. Actual monthly payment will be determined by the loan product and any options chosen at the time the loan is finalized.

By clicking on the calculators below, you are linking to an alternate web site that may not be operated by HawaiiUSA FCU.

Consumer Loan Calculator HELOC Calculator*

*For the Home Equity Line of Credit Calculator, all advances are handled at a 180 month amortization.

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Mortgage Pre-Qualifier

The following form allows you to make a preliminary evaluation of your home buying qualifications. The Mortgage Pre-Qualifier uses a combined debt ratio of 38% in the calculation.

Monthly Income
Salary
Other Income

Monthly Obligations
Installment
Payments

Revolving
Accounts

Other
Obligations


Estimated Future Annual Assessments
(If the property taxes, hazard insurance, and/or other assessments are not known, the Loan Pre-Qualifier will make an estimation.)
Property
Taxes

Hazard
Insurance

Condo PUD
Fees


Desired Loan Conditions
Rate (%)
Term (yr)

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Rent vs. Buy

This form will help you to decide which is the better choice, renting or buying. Based on the numbers you enter here, the program will calculate the return on a real property investment and compare it with the return on the same investment in an alternative such as a money market, savings account, or mutual fund.

When you have completed the form, click on "Calculate". The results of your analysis will be displayed in a few seconds.

Purchase Price
Down Payment
Term (yr)
APR
Annual Home Value
Appreciation (%)


Your Tax Bracket (%)

Current Rent
Payment /mo

Rate of Return on
Other Investment (%)

Time Period
for Comparison (yrs)

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Amortization

This calculator will display the estimated loan payment schedule based on the given loan amount, interest rate, and term. When you have completed the form, click on "Calculate", the results will be displayed in a few seconds. Actual monthly payment will be determined by the loan product and any options chosen at the time the loan is finalized.

Loan Amount
Rate
Term (years)
Yearly
Monthly



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Loan Comparison

Will display a comparison of monthly payments based on the loan amount and a range of interest rates over a 1 point spread with a resolution of 1/8th point.

Loan Amount:
Starting Interest Rate (%)
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NCUA Equal Housing Lender

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