Enter the home price, down payment, interest rate, and loan term. The calculator estimates your monthly payment including principal and interest. For Refi-Shield, down payment requirements vary. Results are estimates — contact NMHL for an exact quote.

Your actual Refi-Shield rate depends on your credit score, loan amount, down payment, and market conditions. Use current market averages as a starting point, or contact NMHL for a personalized rate quote to get the most accurate calculation.

Your monthly payment typically includes principal (the loan amount you are paying back), interest (the cost of borrowing), property taxes, and homeowners insurance. Depending on your down payment, you may also have private mortgage insurance (PMI).

Refi-Shield requirements include credit score requirements that vary by lender, a down payment based on program guidelines, and standard documentation including income verification. Contact NMHL for full eligibility details.

Yes. Run calculations with different loan types to compare monthly payments. Try our other loan calculators to see how FHA, VA, conventional, and other programs compare. Each has different rates, down payment requirements, and insurance costs.