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Our calculators rely on assumptions by us and inputs and assumptions provided by you, which may be inaccurate.The outputs from our calculators are estimates only and should not be used as the sole basis for making any financial decisions.One is the total monthly payment, which consists of mortgage payments, mortgage insurance premiums if any, and non-mortgage debt payments if any.

If you were unable to make your mortgage loan payments, the bank has a claim on your house, and this makes your loan less risky.Note: Once you've selected your city, state and country of residence, we'll make sure you return to the appropriate regional information on our site in the future by generating a cookie.This will save you the time of specifying your location each time you access our site.*1b, Debt Consolidation Calculator For Home Owners With One Mortgage, is for those with an existing first mortgage who may want to consolidate non-mortgage debt, either by refinancing the first mortgage to include the non-mortgage debt, or by taking out a new second.*1c, Debt Consolidation Calculator For Home Owners With Two Mortgages, is for those with existing first and second mortgages who have a variety of consolidation options. Consolidate Non-Mortgage Debt in First - means that you consolidate your existing non-mortgage debt by doing a cash-out refinance on your first mortgage, leaving your second mortgage as it is.

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Use our calculator to figure how long before your savings equal the cost of obtaining a new consolidation loan.

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