Select a Mortgage APR Calculator

The calculators here show the APR on fixed-rate and adjustable-rate mortgages, and also show the lender fees when the APR is known.

The APR ("annual percentage rate") is a required disclosure under Truth in Lending, but I advise borrowers to ignore it except in very limited circumstances. See Tutorial on Annual Percentage Rate (APR).  Borrowers sometimes are given price quotes that include the rate, points, and APR but not other lender fees. Since all lenders fees are included in the APR, it is possible in such circumstances to back out these other fees.

Estimating Lender Fees From the APR on an FRM.
Shows lender fees when the APR is known, on FRMs only.

Lenders have a strong interest in calculating the APR correctly because if they don’t, they are exposed to legal liability. Lenders, loan officers and mortgage brokers who need to get it right can use the following three calculators.

APR on Fixed Rate Mortgages

APR on Adjustable Rate Mortgages That Do Not Permit Negative Amortization

APR on Adjustable Rate Mortgages That Permit Negative Amortization

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