Mortgage Calculators and Loan Calculators can be used to estimate your monthly mortgage payment based on either fixed or adjustable mortgage interest rates. The monthly payment can include taxes, insurance, HOA payment and Mortgage Insurance (PMI). The real estate market and the mortgage market are constantly changing, use these tools to stay ahead of the market and figure out what you will pay monthly when you buy a home. 0:00 | Intro 0:13 | Why you need to use a Mortgage Calculator. 0:35 | What is a Mortgage Calculator? 1:07 | How does a Mortgage Calculator work? 1:34 | Adjustable Rate Mortgage Video Link 1:58 | Where to Find Current Mortgage Rates 3:09 | Mortgage Rate Calculator Example 4:38 | Real World Example of When ARM Can be better than a Fixed Mortgage Rate 5:55 | Why are ARMS Worth it? 5:58 | Federal Funds Rate - (69 year historical chart) Mortgage Calculator: https://www.mystatemls.com/mortgage_calculator/ For options that don't require PMI with less than 20% down, look at the Navy Federal Credit Union (you must be a member by being a or related to a veteran or service member.) navyfederal.org Trustco Bank in NY and Florida also have an option where you can put as little as 3% down and not pay mortgage insurance. These terms are subject to change, please check their websites. trustcobank.com