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To the left are a list of mortgage calculators. (T1) will not adjust for how long you expect to live in the home and will not adjust for the refinancing of an existing loan which has been significantly paid down. (T3) will allow you to account for these other two variables. The list includes some additional loan calculators that will allow you to adjust for (PV) or the present value of the difference in the cash flows. The seperation of these variables 1) allows the user the ability to focus on how each of the above variables (factors) may affect the potential economic benefit of refinancing an existing loan, and 2) guides the user step by step through the process of understanding the application of these variables (factors). If you need to know more, click here to continue reading on the next page. There are 30 year, 25 year, 20 year, 15 year, 10 year amortization schedules available with our mortgage loan calculators. 

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