Rates_versus_Points_Spring_2018.gsheet
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Rates versus Points
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30-Year Fixed Rate, $320,000 Loan – 360 Payments – 740+ Credit Score – 20%+ Down
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RateAPRPointsClosing CostsPaymentTotal CostsTotal Interest
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4.000%4.186%1.414%$10,116.30$1,527.73$549,982.80$229,982.80
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4.125%4.255%0.749%$7,988.30$1,550.88$558,316.80$238,316.80
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4.250%4.320%0.034%$5,700.30$1,574.21$566,715.60$246,715.60
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4.375%4.443%0.000%$4,017.10$1,597.21$574,995.60$254,995.60
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4.500%4.568%0.000%$2,509.90$1,621.39$583,700.40$263,700.40
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4.625%4.694%0.000%$1,143.50$1,645.25$592,290.00$272,290.00
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4.750%4.819%0.000%$0.00$1,669.27$600,937.20$280,937.20
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15-Year Fixed Rate, $320,000 Loan – 180 Payments – 740+ Credit Score – 20%+ Down
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RateAPRPointsClosing CostsPaymentTotal CostsTotal Interest
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3.250%3.585%1.495%$10,375.50$2,248.54$404,737.20$84,737.20
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3.375%3.637%0.996%$8,788.70$2,268.03$408,245.40$88,245.40
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3.500%3.712%0.650%$7,671.50$2,287.62$411,771.60$91,771.60
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3.625%3.757%0.101%$5,914.70$2,307.32$415,317.60$95,317.60
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3.750%3.867%0.000%$4,378.70$2,327.11$418,879.80$98,879.80
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3.875%3.993%0.000%$2,945.10$2,347.01$422,461.80$102,461.80
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4.000%4.118%0.000%$1,649.10$2,367.00$426,060.00$106,060.00
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4.125%4.243%0.000%$243.90$2,387.10$429,678.00$109,678.00
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4.250%4.369%0.000%$0.00$2,407.29$433,312.20$113,312.20
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Source: http://www.aimloan.com 6-March-2018 (rates change daily)
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Rates versus Points
 
 
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