Which lender has the better loan? Purchase price $   Loan amount $   Term (years)     Yearly property tax $   Yearly property insurance $   Your savings rate   % Your state + federal tax rate   % Years before you sell or pay off loan     Lender 1 Lender 2 Interest rate   %   % Discount points   %   % Origination fee   %   % Upfront costs $   $     If loans have adjustable rates Months before first adjustment         Months between rate adjustments         Maximum rate adjustment   %   % Minimum rate   %   % Maximum rate   %   % Margin   %   % Index rate   %     Index rate change per adjustment   %     Months between index adjustments         Regarding loan one Fixed rate mortgage Adjustable rate mortgage Interest rates will stay the same Interest rates will increase Interest rates will decrease   Regarding loan two Fixed rate mortgage Adjustable rate mortgage Interest rates will stay the same Interest rates will increase Interest rates will decrease