Loan Comparisons
15 vs 30 Year Mortgage Calculator
When a borrower asks "what if I did fifteen years?", the answer and the lead arrive together.
Loan Comparisons
Mortgage comparison calculators that help borrowers choose a loan structure
A borrower comparing two loans is past "should I buy". They are choosing, and they want an expert.
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The Loan Comparisons section puts two loan structures side by side: 15 vs 30 years, 20 vs 30 years, ARM vs fixed, interest-only vs fixed, and an interest-only ARM vs fixed. Borrowers see the payment and total-interest trade-off; you get a lead who has already narrowed down the structure they want to discuss.
Loan Comparisons
20 vs 30 Year Mortgage Calculator
Some borrowers want to retire the mortgage before retirement, not by next decade; this is their calculator.
Loan Comparisons
ARM & Interest Only ARM vs. Fixed Rate Calculator
The interest-only start looks irresistible until the reset column appears beside it; let borrowers see both before you talk.
Loan Comparisons
ARM vs. Fixed-Rate Mortgage Calculator
The ARM question is really a "how long will you keep this loan?" question; this calculator gets the borrower asking it.
Loan Comparisons
Fixed Rate vs. Interest Only Mortgage Calculator
Interest-only questions deserve a clear answer with a dollar figure; give borrowers one before they call.
Which comparison calculator belongs on which page?
Term comparisons and rate-type comparisons reach different borrowers. Put each where that choice comes up.
| Calculator | Borrower question it answers | Where an LO should embed it |
|---|---|---|
| 15 vs 30 Year, 20 vs 30 Year | Is the higher payment on a shorter term worth the interest saved? | Refinance page, loan options page, posts on paying off a home sooner |
| ARM vs. Fixed-Rate | Is a lower starting rate worth the risk of adjustment? | ARM page, high-price-market pages, rate-environment blog posts |
| Fixed Rate vs. Interest Only | How much lower is an interest-only payment, and what does it cost later? | Jumbo and investor pages, non-QM landing pages |
| ARM & Interest Only ARM vs. Fixed | How do all three structures compare over the years I plan to keep the loan? | High-balance and non-QM pages, consultation follow-up emails |
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Why do comparison calculators produce better conversations?
Because the borrower has done the first half of a consultation alone. Someone who runs the 15 vs 30 year mortgage calculator has a loan amount, a rate and a view on payment versus interest. Your first call is about fit and timing, not basics.
Comparisons also surface misunderstandings early. A borrower drawn to an adjustable-rate mortgage for the start rate may not have thought about the adjustment. The lead shows which scenarios they ran, so you can address the risk directly and compliantly.
Comparisons depend on the rates entered
Results reflect the rates and assumptions the borrower enters, not a quote. ARM comparisons also depend on assumed future rates. Present them as illustrations and give real pricing in your own Loan Estimate.
FAQ · 6 questions
Questions loan officers ask
Which comparison calculator should a purchase-focused LO add first?
The 15 vs 30 year calculator. It is the most common term question and works for both purchase and refinance borrowers. Add ARM vs. fixed if you write adjustable-rate loans.
Are interest-only comparisons appropriate for first-time buyers?
Usually not. Interest-only structures suit specific borrowers such as some jumbo, investor or high-income clients. Keep those calculators on pages aimed at that audience rather than general buyer pages.
Do comparison calculators include taxes and insurance?
They focus on principal and interest, payment and total interest, so the two structures are compared on the loan itself. Use a PITI calculator alongside them when you need the full housing payment.
How do I follow up with a borrower who compared ARM vs. fixed?
Start with what they ran: the loan amount, the rates and how long they expect to keep the loan. Explain how adjustments and caps work, and avoid promising future rates.
Can I send comparison leads to their own workflow?
Yes, on Producer and Brokerage plans. A per-calculator webhook can send, say, 15 vs 30 leads to a refinance-education sequence in HighLevel.
Will borrowers trust the comparison results?
They see the inputs, the side-by-side results, definitions of each term and a disclaimer. That transparency helps, as does a follow-up that walks through their own numbers.
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