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Which Loan is Better?

Input Information
  Loan 1 Loan 2
Amount : ($)
Interest Rate : (%) (%)
Length : (Yrs) (Yrs)
Points : (%) (%)
Origination Fees : (%) (%)
Closing Costs : ($) ($)
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Financial Analysis (Switch to Plain English)
  Loan 1 Loan 2
Points Value $2,500.00 $3,750.00
Origination Fees $0.00 $1,250.00
Total Closing Costs $3,700.00 $5,700.00
Amount Financed $250,000.00 $250,000.00
Monthly Principal & Interests : $1,342.05 $1,266.71
Total Monthly Payments : $483,139.46 $456,016.78
Payment Savings : $0.00 $27,122.68
Plain English Help (Switch to Financial Analysis)

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DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your own financial advisor.