fha mortgage insurance premiums Calculators. Check out our handy-dandy calculators to help you determine if a purchase loan or refinance option is best for you. Of course, you can always speak with your trusted Waterstone Mortgage loan professional (that’s what we’re here for, after all!) but it’s nice to be able to get some initial numbers to give you an idea of what to do next.current interest rates for fha loans A 30-year fixed mortgage is a loan whose interest rate stays the same for the duration of the loan. For example, on a 30-year mortgage of $300,000 with a 20% down payment and an interest rate of 3.75%, the monthly payments would be about $1,111 (not including taxes and insurance).Your credit score is a significant factor for lenders to consider when issuing a new mortgage. However, poor credit doesn’t necessarily exclude you from the prospect of purchasing your own home. Bad credit home loans are fairly plentiful, if you know where to look. Unfortunately, bad credit home loans don’t always offer the most favorable.