For those about to purchase a house who may want to consolidate non-mortgage debt in the purchase mortgage.

For borrowers with a first mortgage who may want to consolidate non-mortgage debt, either by refinancing the first mortgage with "cash-out", or by taking out a new second.

For borrowers with a first and second mortgage who may want to explore a variety of consolidation options.

For borrowers who want to know when their loan will pay off, and how much interest they will save, if they make extra voluntary payments in addition to their required monthly payment.

For borrowers who want to know when their loan will pay off, and how much interest they will save, if they shift to a biweekly payment plan, and if they make extra voluntary payments in addition to their required monthly payment.

For borrowers who want to know when their loan will pay off, and how much interest they will save, if they shift to a biweekly payment plan, and if they make extra voluntary payments in addition to their required biweekly payment.

For borrowers who want to know how much extra they must pay, above their required monthly payment, to pay off their loan within a specified period.

For borrowers trying to decide whether refinancing a mortgage will reduce their costs.

For borrowers with two mortgages trying to decide whether refinancing into one or two new mortgages will reduce their costs.

For borrowers trying to decide whether they should refinance one mortgage into two mortgages to lower costs.

For borrowers with a mortgage who need to raise cash, trying to decide whether they should do a "cash out" refinance or take out a second mortgage.

For borrowers with an ARM, worried about rising interest rates, trying to decide whether they should refinance into an FRM.

For borrowers who want to know how long they will have to pay mortgage insurance premiums on their current mortgage.

For borrowers trying to figure out whether they can afford a given-priced house.

For borrowers trying to decide whether they will be better off buying a home now with a small or no down payment, or saving for a down payment first and buying later.

For borrowers who want to know the monthly mortgage payment on a fully-amortizing fixed-rate mortgage at different loan amounts, interest rates and terms.

For borrowers who want to know how the interest rate and monthly payments may change on an adjustable rate mortgage that does not permit negative amortization.

For borrowers who want to know how the interest rate and monthly payments may change on an adjustable rate mortgage that permits negative amortization.

For borrowers who want to know how the interest rate and monthly payments may change on a monthly adjustable rate mortgage that permits negative amortization if they select alternative payment options.

For borrowers who want an amortization schedule that shows the lower monthly payments in the early years from setting up a buydown account, and the amount that must be deposited in the account.

For lenders who have ARM borrowers who are facing rate resets they can’t afford, who may want to offer a payment subsidy in exchange for a share of the future appreciation in the borrower’s house.

For borrowers who want an amortization schedule that shows the tax savings on the interest they pay, for their tax bracket.

For borrowers who want to know how long it will take for amortization on a fixed-rate mortgage combined with property value appreciation to reduce the ratio of loan balance to property value to some desired level.

For borrowers trying to decide whether they should select an adjustable rate mortgage (ARM) without negative amortization or a fixed rate mortgage (FRM) based on the lowest after-tax interest cost.

For borrowers trying to decide whether they should select an adjustable rate mortgage (ARM) without negative amortization or a fixed rate mortgage (FRM) based on the lowest cost over a specified future period.

For borrowers trying to decide whether they should select an adjustable rate mortgage (ARM) with negative amortization or a fixed rate mortgage (FRM) based on the lowest after-tax interest cost.

For borrowers trying to decide whether they should select an adjustable rate mortgage (ARM) with negative amortization or a fixed rate mortgage (FRM) based on the lowest cost over a specified future period.

For borrowers trying to decide which of two fixed-rate mortgages they should select based on the lowest after-tax interest cost.

For borrowers trying to decide which of two fixed-rate mortgages they should select based on the lowest total cost over a specified future period.

For borrowers who want to know the fees charged by a lender on a fixed-rate mortgage, when they know the rate, points and APR.

For borrowers who want to know whether they will save or lose money over a specified period by paying points in order to reduce the interest rate on an FRM.

For borrowers who want to know whether they will save or lose money over a specified period by paying points in order to reduce the interest rate on an ARM.

For borrowers who want to know whether paying higher points to get a lower interest rate on an FRM is a good investment.

For borrowers who want to know whether paying higher points to get a lower interest rate on an ARM is a good investment.

For borrowers with enough cash to make a down payment in excess of the minimum required on a particular loan, who want to know whether using the cash to increase the down payment is a good investment.

For borrowers trying to decide whether they should take a second mortgage, either to avoid mortgage insurance or to avoid the higher interest rate on a jumbo as opposed to a conforming loan amount.

For borrowers trying to decide between two piggyback combinations.

For borrowers trying to decide whether they should elect to pay mortgage insurance on a fixed-rate mortgage, or avoid mortgage insurance by paying a higher interest rate.

For borrowers who cannot put 20% down, selecting between borrower-pay mortgage insurance, lender-pay mortgage insurance (higher interest rate to the borrower), and a piggyback consisting of an 80% first mortgage plus a higher-rate second mortgage.

For borrowers who cannot put 20% down, looking for the best allocation of their cash between down payment and points.

For borrowers with sufficient income to afford the higher monthly payment on a shorter term FRM, who want to know whether the higher payment is a good investment.

For borrowers with sufficient income to afford the higher monthly payment on a shorter term FRM, who want to know the rate of return they must earn on the cash flow savings from a longer term to make the longer term pay.

For lenders, mortgage brokers, loan officers or borrowers who need to calculate an APR on a fixed rate mortgage.

For lenders, mortgage brokers, loan officers or borrowers who need to calculate an APR on an adjustable rate mortgage that does not permit negative amortization.

For lenders, mortgage brokers, loan officers or borrowers who need to calculate an APR on an adjustable rate mortgage that permits negative amortization.