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The Annual Percentage Rate tells the true cost of borrowing. There are cost involve to acquire a mortgage. By nature, the buyers look at the lowest possible interest rate. It is not enough to know just actual interest rate. As each mortgage lender has different cost, you need different calculation for each mortgage lender. If you know the how much cost of borrowing, there are annual percentage rate mortgage calculators online to help buyers.

Different Cost of Borrowing

Mortgage Lender usually add points, pre-paid interest rate, loan processing fee, underwriting fee, document preparation fee, mortgage insurance, loan application fee, closing fee, and title fee to the mortgage. Learn the different meaning of the annual percentage rate fees before you meet your mortgage broker. Thus, the mortgage broker knows that you are mortgage savvy buyer. And, you just want the best rate possible. It is the law to disclose the annual percentage rate to the buyer.

Aliases of Annual Percentage Rate

Sometimes, the mortgage lenders use a different name on annual percentage rate for marketing purposes. In that way, Annual Interest Rate sounds less intimidating. Alternative names may be effective monthly interest rate, annual interest rate compounded monthly, and annual interest rate in advance.

Examples

Sometimes, the mortgage lenders use a different name on annual percentage rate for marketing purposes. In that way, Annual Interest Rate sounds less intimidating. Alternative names may be effective monthly interest rate, annual interest rate compounded monthly, and annual interest rate in advance.

Here is another good example. A name brand mortgage lender offers 6% interest rate in a 25 year mortgage, while a no name mortgage lender offers 5% interest rate in a 25 year mortgage. Looks like an easy decision. However, the no name mortgage lender charges loan processing fee, underwriting fee, document preparation fee, and closing fee. So, the no name mortgage lender may not be a good decision after all.

About the Author: Dennis Estrada is a webmaster of mortgage calculators website which provide resources, and calculators for mortgage and real estate.