Interest Rate Sensitivity Simulator
See how ±0.25%, ±0.5%, ±1% rate changes affect your payment and total cost. Essential for lock decisions, point purchases, and timing your mortgage.
Loan Details
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Your current or quoted rate
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What This Answers
- •Should I lock my rate now or wait?
- •Is it worth paying points to buy down the rate?
- •How much does 0.25% really matter?
- •What's my risk if rates move?
Enter your information and click "Analyze Rate Sensitivity" to see your results.