The mortgage calculator is provided for illustrative purposes only. This calculator does not have the ability to pre-qualify you for any loan program. The mortgage qualification process requires additional information. All terms, information, conditions, rates, and programs are subject to change without prior notice. Homeowners Association (HOA) dues are not included in the calculations. All information such as interest rates, taxes, insurance, Private Mortgage Insurance (PMI) payments, etc. are estimates and should be used for comparison only. This calculator does not calculate the Annual Percentage Rate (APR). Homestar Financial Corporation does not guarantee the information obtained by the mortgage calculator. Be sure to consult a Mortgage Loan Originator prior to relying on the results.