Mortgage Calculators

Featured Calculators

How Much Will My Payments Be?
Calculate your monthly payment with applicable finance charges, PMI, hazard insurance, and property taxes.
Mortgage Principal Calculator
This calculator allows you to "peek into the future", allowing you to see the remaining balance of your mortgage after several payments.
Affordability Calculator
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.
How Much Income do I Need to Qualify?
Do you need to know how much money you must earn to purchase the house of your dreams? This calculator will help you figure it out.
Mortgage Length Calculator
This calculator will help you to determine your savings if you make larger monthly payments.
What if I Pay More Every Month?
See how your mortgage will be reduced, if you pay $$$ more every month.

Comparison Calculators

Which Loan is Better?
Can't decide which loan offer is better? Input your numbers here and lock-in the best offer.
Rent vs. Buy
Still renting an apartment and thinking about a home purchase? This calculator can help you make the final decision.
Standard vs. Bi-Weekly
You heard that bi-weekly payments can significantly decrease the time of mortgage payoff? Check it out with this calculator.

Benefits Calculators

Should I Refinance?
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.
Tax Benefits Calculator
This calculator will calculate your tax savings after a house purchase. Financial analysis includes first year as well as total tax savings.
Should I Pay Points to Lower My Interest Rate?
Calculate how much points affect your monthly payments and how fast they will pay for themselves.

Credit Card Payoff Calculators

How Can I Payoff My Credit Card Debt Sooner?
This credit card payoff calculator will tell you how long it will take you to pay off your credit card debt with the amount you pay now, and how much you would have to pay every month to eliminate credit card debt even sooner.
Paying off Credit Card Debt with Minimum Payments
This calculator is designed to show you how long it will take to pay off your credit card and how much interest you will pay if you only make the minimum monthly payment.

Miscellaneous Calculators

Payment per Thousand Financed
Have you ever wondered how much you pay for every $1,000 of your mortgage loan? Find out here!
What is The Real APR for That Loan?
This calculator estimates your real APR (Annual Percentage Rate) with points.

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Contact Us| Privacy & Security| NMLS # 2427

Golden Empire Mortgage, Inc. ("GEM") [NMLS ID No. 2427] is a California corporation whose principal business office is located at 1200 Discovery Drive, Ste. 300, Bakersfield, California 93309. GEM is a residential mortgage lender and servicer licensed by the Department of Business Oversight pursuant to the California Residential Mortgage Lending Act under license no. 413-0360. GEM conducts residential mortgage lending activities in the following additional states as follows:

Arizona: GEM conducts business in the state of Arizona as Golden Empire Mortgage, Inc. under Mortgage Bankers license no. 0906440 issued by the Arizona Department of Financial Institutions.

Colorado: GEM conducts business in the state of Colorado pursuant to a Mortgage Company Registration issued by the Colorado Division of Real Estate.

Hawaii: GEM conducts business in the state of Hawaii under Mortgage Loan Originator Company license no. HI-2427 issued by the Hawaii Division of Financial Institutions, Department of Commerce and Consumer Affairs.

Oregon: GEM conducts business in the state of Oregon under Mortgage Lending License no. ML-2891 issued by the Division of Finance and Corporate Securities, Department of Consumer and Business Services.

Texas: GEM conducts business in the state of Texas as GEM Mortgage, Inc. pursuant to a Mortgage Bankers Registration issued by the Texas Department of Savings and Mortgage Lending. Notice to Texas Loan Applicants

Washington: GEM conducts business in the state of Washington under Consumer Loan Company License no. CL-2427 issued by the Washington Division of Consumer Services, Department of Financial Institutions.

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