Calculators
The rate quoted in an ad isn't always the full story — APR folds in points and fees so you can compare two offers on equal footing.
6.683%
APR
6.500%
Note rate
$2,023
Monthly payment
APR spreads points and fees across the life of the loan into one rate — it's always higher than the note rate whenever there are fees, and it's the better number for comparing two different loan offers apples-to-apples.
These calculators provide estimates for educational purposes only — they are not a loan quote, rate lock, pre-approval, or commitment to lend, and actual figures depend on your full application, credit profile, and current rates through Unitas Lending. Property tax, insurance, and HOA figures are user-entered estimates, not verified amounts.
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Frequently Asked
Your interest rate applies only to the loan balance. APR spreads points, origination fees, and other closing costs across the loan term into one comparable rate — that's why APR is always equal to or higher than the note rate.
APR, when the loan terms are otherwise similar — it's the number designed specifically for apples-to-apples comparison between two loan offers with different fee structures.