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Time for a New Home? Want Lower Payments?

Whether you’re thinking of buying a new home or need cash to improve your household budget, learn about the different types of mortgages available or use our online mortgage calculators to get your answers right now.
How Much House Can you Afford?

A house is a major investment that will greatly affect your financial future. Before you start shopping, be sure you know how much house you can afford.

Should I Refinance My Mortgage?

When mortgage rates dip, consumers often consider refinancing. Should you or shouldn't you? Use the calculator below to help you decide.

Please note, that by clicking on the "Practical Money Skills for Life" logo, you will be leaving SpiritBank.com.

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Please note, that by clicking on the "Practical Money Skills for Life" logo, you will be leaving SpiritBank.com.

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These calculators are designed to be informational and educational tools only, and when used alone, do not constitute investment advice. We strongly recommend that you seek the advice of a financial services professional before making any type of investment. We also encourage you to review your investment strategy periodically as your financial circumstances change. This model is provided as a rough approximation of future financial performance. The results presented by this calculator are hypothetical and may not reflect the actual growth of your own investments.

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