Use the chart below to determine your monthly principal and interest payments at various interest
rates for either a 15- or 30-year term.

• Find the appropriate interest rate from the chart above.
• Look across the column to the appropriate term to determine your interest rate factor.
• Multiply the interest rate faFind the appropriate interest rate from the chart above.

REMEMBER: Be sure to add your monthly insurance premium and your property tax to your principal and interest
to determine your total monthly payment.
NOTE: These figures represent mere estimates. We strongly recommend that you talk with a reputable mortgage
specialist to determine the actual amount you will pay each month in principal, interest, taxes and insurance (PITI).