SAN JOSE RATE & HOLDING-PERIOD DESK
Separate quoted upfront and recurring program charges from the note rate.
34 tools. One connected workspace.
Loan programs
Explore a lender-supplied upfront guarantee fee and annual charge.
YOUR DECISION, IN NUMBERS
METHOD 2026-10-23.3No geographic, income or program eligibility determination. Annual charge is approximated using original base balance; lender calculations can differ.
Get help with my next step ↗Initial P&I plus modeled annual charge
One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.
No. The recurring program charge is a separate assumption. This model approximates it on original base principal; actual lender calculations may use a different basis.
Ask about your next step ↗THE LONG VIEW
YOUR COMPARISON TABLE
Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.
No scenarios saved on this device yet.
OPEN METHODS / BETTER QUESTIONS
Same explicit fee-financing arithmetic as the program-loan model, with user-supplied fee rates and duration.
No geographic, income or program eligibility determination. Annual charge is approximated using original base balance; lender calculations can differ.
Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.
YOUR NEXT STEP / MITEY U.S.
Ask MITEY about the calculation, an assumption or how to organize your next decision. Choose whether to include your scenario.
This is an educational enquiry. It is not a request for a lender quote, approval or regulated mortgage advice.