Home Loan Calculators

1.888.871.2690 ext. 40407 Locations APPLY ONLINE


Use our helpful calculators to start crunching numbers!

Learn more about all of GTE Financial's great home loan solutions and view our daily rates. Anyone can apply for a loan with GTE; you don't have to be a member first. When you're ready, we're ready to lend!

Loan Consultant

The Loan Consultant feature determines the products and rates that match your needs!

Click here to launch the Calculator

Free calculators to help with your home purchase planning.

How Much Can You Afford?
Based on how much you make and how much you can pay for a down payment, find out how much "house" you can afford.

How Much Income do You Need?
Based on the loan amount, we can tell you what your income level needs to be.

What is Your Monthly Payment?
So, how much will you have to pay for that house each month?

Should You Rent or Buy?
Want to know the "after-tax" net cost of owning a house versus renting?

What Should My Down Payment Be?
Use this calculator to compare up to three different mortgage down payment options to find the one that works best for you.

Should I Make Extra Payments?
By making extra payments on your mortgage you could build equity faster and reduce your amortization period. Use this calculator to find out if you should consider making extra payments on your mortgage.

Calculate my Loan to Value Ratio (LTV)
The loan to value ratio (LTV) shows how much equity you have in a house relative to the amount you want to borrow or already have borrowed, and is one of the key factors assessed by lenders.

Is there a refinance in your future?

How Much Can I Borrow?
Based on how much you make, find out how much you can refinance.

Should I Refinance My House?
Refinancing your home could result in lower monthly payments, or even paying off your loan sooner.

What is Your Monthly Payment?
Will the size of your monthly payment pinch your pocket book? Find out based on the amount you want to borrow.

Refinance Payback Calculator
Take a look at how long it will take to realize savings if you refinance. (This calculator does not take into account savings you may realize if you are doing debt consolidation and paying off high rate credit cards or line of credit debt.)

Reduce Your Term
Want to know how much you’ll save in the long run by refinancing your home loan right now? It’s easy! Just fill in the fields and find the answer.

Calculate my Loan to Value Ratio (LTV)
The loan to value ratio (LTV) shows how much equity you have in a house relative to the amount you want to borrow or already have borrowed, and is one of the key factors assessed by lenders.

What is amortization? Amortization is the process of paying off a debt, often a loan or a mortgage, over a period of time through regular payments. A portion of each payment is for interest, while the remaining amount is applied toward the principal balance. An amortization schedule reveals how much of your monthly payment goes towards interest and how much is put towards paying off your principal.

Amortization Calculator
See how fast your principal may decrease over the life of your loan.

Prepayment Analysis Calculator
Use this calculator to see how many months you can shave off your loan by prepaying on your principal, at a set monthly rate.

*Results will change if you pay more or less than what is scheduled to be paid in any month.