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FIND OUT HOW MUCH YOU CAN AFFORD

Whether you’re a first-time home buyer or purchasing a larger home to accommodate your growing family, we are here to help you make the right financial decision. Please use the calculators below to assist you in preparing for purchasing your ideal home. 

Payment Calculator

Payment / Amortization Calculator

Calculate your monthly payment and see how the principal is paid over time.

Rent versus Own Calculator

Rent vs Own Calculator

Calculate the difference between renting and buying a home.

APT Calculator

Annual Percentage Rate Calculator

Calculate the APR for fixed-rate or adjustable-rate loans.

Debt Consolidation Calculator

Debt Consolidation Calculator

Determine if you can consolidate your debt by combining it with your home mortgage.

Prepayment Savings Calculator

Prepayment Savings Calculator

Find out how soon you can pay off your mortgage by making a prepayment.

Early Payoff Calculator

Early Payoff Calculator

Determine the additional monthly payment amount needed to pay off the loan sooner.

Refinance Break Even

Refinance Break-Even Point Calculator

Find out how long it will take to "break-even" on a refinanced loan.

Tax Savings Calculator

Tax Savings Calculator

Determine the estimated tax savings with a new loan.

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A Division of First United Bank   |   NMLS 405716   |   Member FDIC 
All loans are subject to credit approval.

 

 

 

 

6604 Frankford Ave.
Lubbock, TX 79424
806-798-5800   mortgage@spiritmortgage.net

 

A Division of First United Bank   |   NMLS 405716   |   Member FDIC 
All loans are subject to credit approval.