Comparison · Points Only
Compare 3 Rate/Payments (Points Only)
Enter your rates and the price of each rate — lowest, middle road, and highest — to compare monthly payments, your breakeven point, and total savings.
Built by Jim Blackburn · NMLS #1072866 · $500M+ closed · 7× Scotsman Guide Top Producer
Shared
10 yr = 120 · 15 yr = 180 · 30 yr = 360.
Strategy A — Lowest Rate
Strategy B — Middle Road
Strategy C — Lowest Cost Rate
Negative = lender credit.
Results
Strategy A — Lowest Rate
Strategy B — Middle Road
Strategy C — Lowest Cost Rate
Breakeven Analysis
Future Savings
Estimates only — not a commitment to lend.
Professional Recommendation
If you think you'll keep this loan past the breakeven years before selling, paying off, or refinancing — and you can comfortably come up with the cash to close — then Strategy A is your best choice.
If you're more likely to pay off, refinance, or sell before the breakeven period, then Strategy C is your best choice.
If you're uncertain and caught between the two, go with Strategy B.
By Jim Blackburn
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This calculator is for illustrative purposes only and does not constitute financial, legal, or investment advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor before making financial decisions.