These calculators are intended to be used for general reference and estimation purposes only. Actual rates and monthly payment amounts will depend on many factors, including market conditions, borrower information and loan characteristics. The outputs are based on information you provide. Any outputs of these calculators are estimates only. Mortgage insurance amounts are estimates based on the FICO scores you provide. Your actual rates and monthly payment amounts may differ from these estimated outputs. Southern Birch Mortgage, Inc. does not make loans and this is not a commitment to lend.