{"id":2146,"date":"2026-02-26T22:24:05","date_gmt":"2026-02-26T22:24:05","guid":{"rendered":"https:\/\/daryl.darylwizinsky.com\/communities\/mortgage-calculator\/"},"modified":"2026-02-26T22:24:05","modified_gmt":"2026-02-26T22:24:05","slug":"mortgage-calculator","status":"publish","type":"page","link":"https:\/\/daryl.darylwizinsky.com\/communities\/mortgage-calculator\/","title":{"rendered":"Michigan Mortgage Calculator | Estimate Your Monthly Payment"},"content":{"rendered":"<style id=\"dw-mc-css\">\n\/* \u2500\u2500\u2500 DW Mortgage Calculator \u2500\u2500\u2500 *\/\n.dw-mc-outer{display:grid;grid-template-columns:60% 40%;gap:24px;margin:0 auto;max-width:1200px}\n@media(max-width:800px){.dw-mc-outer{grid-template-columns:1fr}}\n\/* Calculator card *\/\n.dw-mc-card{background:#fff;border-radius:14px;box-shadow:0 2px 24px rgba(0,0,0,.08);overflow:hidden;border:1px solid #e8edf2}\n.dw-mc-card-header{background:linear-gradient(135deg,#1a2332 0%,#1a3a6e 100%);padding:22px 28px;color:#fff}\n.dw-mc-card-header h3{margin:0 0 4px;font-size:22px;font-weight:800;color:#fff}\n.dw-mc-card-header p{margin:0;font-size:13px;color:rgba(255,255,255,.7)}\n.dw-mc-body{padding:24px 28px}\n\/* Credit tabs *\/\n.dw-mc-credit-row{display:flex;gap:8px;margin-bottom:20px}\n.dw-mc-credit-btn{flex:1;padding:10px 6px;border:2px solid #e2e8f0;border-radius:8px;background:#f8fafc;cursor:pointer;text-align:center;transition:.15s;font-family:inherit}\n.dw-mc-credit-btn .cb-label{font-size:13px;font-weight:700;color:#1a2332;display:block}\n.dw-mc-credit-btn .cb-sub{font-size:11px;color:#64748b;display:block;margin-top:1px}\n.dw-mc-credit-btn .cb-rate{font-size:14px;font-weight:800;color:#4db8ac;display:block;margin-top:3px}\n.dw-mc-credit-btn.active{border-color:#1a3a6e;background:#1a3a6e}\n.dw-mc-credit-btn.active .cb-label,.dw-mc-credit-btn.active .cb-sub{color:#fff}\n.dw-mc-credit-btn.active .cb-rate{color:#4db8ac}\n\/* Loan type *\/\n.dw-mc-loan-row{display:flex;gap:6px;margin-bottom:20px}\n.dw-mc-loan-btn{flex:1;padding:8px 4px;border:1px solid #e2e8f0;border-radius:6px;background:#f8fafc;cursor:pointer;font-size:13px;font-weight:600;color:#4a5568;text-align:center;transition:.15s;font-family:inherit}\n.dw-mc-loan-btn.active{background:#1a3a6e;border-color:#1a3a6e;color:#fff}\n\/* Input fields *\/\n.dw-mc-field{margin-bottom:18px}\n.dw-mc-field-label{display:flex;align-items:center;justify-content:space-between;margin-bottom:6px}\n.dw-mc-field-label label{font-size:13px;font-weight:700;color:#1a2332}\n.dw-mc-toggle-grp{display:flex;border:1px solid #e2e8f0;border-radius:6px;overflow:hidden}\n.dw-mc-toggle-grp button{padding:3px 10px;font-size:12px;font-weight:600;background:#f8fafc;border:none;cursor:pointer;color:#64748b;font-family:inherit}\n.dw-mc-toggle-grp button.active{background:#1a3a6e;color:#fff}\n.dw-mc-input-row{display:flex;align-items:center;border:1px solid #e2e8f0;border-radius:8px;overflow:hidden;background:#fff}\n.dw-mc-input-row:focus-within{border-color:#4db8ac;box-shadow:0 0 0 3px rgba(77,184,172,.12)}\n.dw-mc-prefix,.dw-mc-suffix{padding:0 10px;background:#f8fafc;color:#64748b;font-size:14px;font-weight:600;border-right:1px solid #e2e8f0;height:42px;display:flex;align-items:center;flex-shrink:0}\n.dw-mc-suffix{border-right:none;border-left:1px solid #e2e8f0}\n.dw-mc-input-row input[type=number]{flex:1;border:none;outline:none;padding:10px 12px;font-size:15px;font-weight:600;color:#1a2332;background:transparent;width:0;font-family:inherit}\ninput[type=range].dw-mc-slider{width:100%;accent-color:#4db8ac;margin-top:8px;cursor:pointer}\n.dw-mc-computed{font-size:18px;font-weight:800;color:#1a3a6e;padding:10px 0 2px}\n\/* Separator *\/\n.dw-mc-sep{border:none;border-top:1px solid #edf2f7;margin:20px 0}\n\/* Period toggle *\/\n.dw-mc-period-row{display:flex;gap:6px;margin-bottom:16px}\n.dw-mc-period-btn{flex:1;padding:8px;border:1px solid #e2e8f0;border-radius:6px;font-size:13px;font-weight:700;cursor:pointer;background:#f8fafc;color:#64748b;font-family:inherit;transition:.15s}\n.dw-mc-period-btn.active{background:#4db8ac;border-color:#4db8ac;color:#fff}\n\/* Total *\/\n.dw-mc-total-box{background:linear-gradient(135deg,#1a2332 0%,#1a3a6e 100%);border-radius:10px;padding:18px 22px;margin-bottom:18px;text-align:center}\n.dw-mc-total-label{font-size:12px;text-transform:uppercase;letter-spacing:1.5px;color:rgba(255,255,255,.7);display:block;margin-bottom:4px}\n.dw-mc-total-amount{font-size:38px;font-weight:900;color:#fff;display:block;line-height:1}\n.dw-mc-total-sub{font-size:12px;color:rgba(255,255,255,.6);margin-top:4px;display:block}\n\/* Breakdown *\/\n.dw-mc-breakdown{margin-bottom:16px}\n.dw-mc-breakdown-row{display:flex;justify-content:space-between;align-items:center;padding:6px 0;border-bottom:1px solid #f0f4f8;font-size:14px}\n.dw-mc-breakdown-row:last-child{border-bottom:none}\n.dw-mc-breakdown-name{color:#4a5568;display:flex;align-items:center;gap:8px}\n.dw-mc-dot{width:10px;height:10px;border-radius:50%;flex-shrink:0}\n.dw-mc-breakdown-val{font-weight:700;color:#1a2332}\n.dw-mc-bar-wrap{display:flex;height:8px;border-radius:4px;overflow:hidden;margin-bottom:20px}\n.dw-mc-bar-seg{height:100%;transition:width .3s}\n\/* Rates footer *\/\n.dw-mc-rates-footer{font-size:11px;color:#94a3b8;text-align:center;margin-top:12px}\n\/* \u2500\u2500\u2500 Lender Card \u2500\u2500\u2500 *\/\n.dw-lender-card{background:#fff;border-radius:14px;box-shadow:0 2px 24px rgba(0,0,0,.08);overflow:hidden;border:1px solid #e8edf2;height:fit-content}\n.dw-lender-header{background:linear-gradient(135deg,#2c3e6b 0%,#1e6b55 100%);padding:24px;text-align:center}\n.dw-lender-avatar{width:80px;height:80px;border-radius:50%;background:rgba(255,255,255,.15);border:3px solid 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8px;border-radius:8px;text-align:center;font-size:13px;font-weight:700;text-decoration:none;transition:.15s}\n.dw-lbtn-call{background:#1a3a6e;color:#fff}\n.dw-lbtn-call:hover{background:#2a4f7a;color:#fff}\n.dw-lbtn-apply{background:#4db8ac;color:#fff}\n.dw-lbtn-apply:hover{background:#3da99d;color:#fff}\n.dw-lbtn-email{background:#f8fafc;border:1px solid #e2e8f0;color:#1a3a6e}\n.dw-lbtn-email:hover{background:#1a3a6e;color:#fff;border-color:#1a3a6e}\n.dw-lbtn-status{background:#f8fafc;border:1px solid #e2e8f0;color:#1a3a6e}\n.dw-lbtn-status:hover{background:#1a3a6e;color:#fff;border-color:#1a3a6e}\n.dw-lender-nmls{font-size:11px;color:#94a3b8;text-align:center}\n\/* Section wrapper *\/\n.dw-mc-section{padding:60px 0;background:#f8fafc;border-bottom:1px solid #edf2f7}\n.dw-mc-section-header{text-align:center;margin-bottom:36px}\n.dw-mc-section-header .eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:2px;color:#4db8ac;font-weight:700;margin-bottom:8px}\n.dw-mc-section-header h2{font-size:clamp(22px,3vw,30px);color:#1a2332;margin:0 0 8px;font-weight:700}\n.dw-mc-section-header p{color:#4a5568;font-size:16px;margin:0}\n<\/style>\n\n<section class=\"dw-mc-section\">\n  <div style=\"max-width:1200px;margin:0 auto;padding:0 20px;\">\n\n    <div class=\"dw-mc-section-header\">\n      <p class=\"eyebrow\">Financing<\/p>\n      <h2>Mortgage Calculator<\/h2>\n      <p>Estimate your monthly payment with today's live rates<\/p>\n    <\/div>\n\n    <div class=\"dw-mc-outer\">\n\n      <!-- \u2550\u2550 CALCULATOR CARD \u2550\u2550 -->\n      <div class=\"dw-mc-card\" id=\"dwmce36b3d\">\n        <div class=\"dw-mc-card-header\">\n          <h3>Mortgage Calculator<\/h3>\n          <p>Live rates via Freddie Mac PMMS &middot; updated 2026-05-28<\/p>\n        <\/div>\n        <div class=\"dw-mc-body\">\n\n          <!-- Credit Score Tabs -->\n          <div class=\"dw-mc-credit-row\">\n                        <button class=\"dw-mc-credit-btn\"\n                    onclick=\"dwMcSetCredit('dwmce36b3d','excellent')\"\n                    data-tier=\"excellent\">\n              <span class=\"cb-label\">Excellent<\/span>\n              <span class=\"cb-sub\">740+<\/span>\n              <span class=\"cb-rate\">6.53%<\/span>\n            <\/button>\n                        <button class=\"dw-mc-credit-btn active\"\n                    onclick=\"dwMcSetCredit('dwmce36b3d','good')\"\n                    data-tier=\"good\">\n              <span class=\"cb-label\">Good<\/span>\n              <span class=\"cb-sub\">680\u2013739<\/span>\n              <span class=\"cb-rate\">7.03%<\/span>\n            <\/button>\n                        <button class=\"dw-mc-credit-btn\"\n                    onclick=\"dwMcSetCredit('dwmce36b3d','fair')\"\n                    data-tier=\"fair\">\n              <span class=\"cb-label\">Fair<\/span>\n              <span class=\"cb-sub\">620\u2013679<\/span>\n              <span class=\"cb-rate\">8.03%<\/span>\n            <\/button>\n                      <\/div>\n\n          <!-- Loan Type -->\n          <div class=\"dw-mc-loan-row\">\n            <button class=\"dw-mc-loan-btn active\" onclick=\"dwMcSetLoan('dwmce36b3d','30yr')\" data-loan=\"30yr\">30-Year Fixed<\/button>\n            <button class=\"dw-mc-loan-btn\" onclick=\"dwMcSetLoan('dwmce36b3d','15yr')\" data-loan=\"15yr\">15-Year Fixed<\/button>\n            <button class=\"dw-mc-loan-btn\" onclick=\"dwMcSetLoan('dwmce36b3d','5arm')\" data-loan=\"5arm\">5\/1 ARM<\/button>\n          <\/div>\n\n          <!-- Home Price -->\n          <div class=\"dw-mc-field\">\n            <div class=\"dw-mc-field-label\"><label>Home Price<\/label><\/div>\n            <div class=\"dw-mc-input-row\">\n              <span class=\"dw-mc-prefix\">$<\/span>\n              <input type=\"number\" id=\"dwmce36b3d_price\" min=\"50000\" max=\"5000000\" step=\"1000\"\n                     value=\"300000\"\n                     oninput=\"dwMcSync('dwmce36b3d','price')\">\n            <\/div>\n            <input type=\"range\" class=\"dw-mc-slider\" id=\"dwmce36b3d_price_sl\"\n                   min=\"50000\" max=\"2000000\" step=\"5000\" value=\"300000\"\n                   oninput=\"dwMcSyncSlider('dwmce36b3d','price')\">\n          <\/div>\n\n          <!-- Down Payment -->\n          <div class=\"dw-mc-field\">\n            <div class=\"dw-mc-field-label\">\n              <label>Down Payment<\/label>\n              <div class=\"dw-mc-toggle-grp\">\n                <button id=\"dwmce36b3d_dp_pct_btn\" class=\"active\" onclick=\"dwMcSetDpMode('dwmce36b3d','pct')\">%<\/button>\n                <button id=\"dwmce36b3d_dp_amt_btn\" onclick=\"dwMcSetDpMode('dwmce36b3d','amt')\">$<\/button>\n              <\/div>\n            <\/div>\n            <div id=\"dwmce36b3d_dp_pct_row\" class=\"dw-mc-input-row\">\n              <input type=\"number\" id=\"dwmce36b3d_dp_pct\" min=\"0\" max=\"100\" step=\"0.5\" value=\"20\"\n                     oninput=\"dwMcSync('dwmce36b3d','dp_pct')\">\n              <span class=\"dw-mc-suffix\">%<\/span>\n            <\/div>\n            <div id=\"dwmce36b3d_dp_amt_row\" class=\"dw-mc-input-row\" style=\"display:none\">\n              <span class=\"dw-mc-prefix\">$<\/span>\n              <input type=\"number\" id=\"dwmce36b3d_dp_amt\" min=\"0\" step=\"1000\" value=\"60000\"\n                     oninput=\"dwMcSync('dwmce36b3d','dp_amt')\">\n            <\/div>\n            <input type=\"range\" class=\"dw-mc-slider\" id=\"dwmce36b3d_dp_sl\"\n                   min=\"0\" max=\"80\" step=\"0.5\" value=\"20\"\n                   oninput=\"dwMcSyncSlider('dwmce36b3d','dp_pct')\">\n          <\/div>\n\n          <!-- Loan Amount (computed) -->\n          <div class=\"dw-mc-field\">\n            <div class=\"dw-mc-field-label\"><label>Loan Amount<\/label><\/div>\n            <div class=\"dw-mc-computed\" id=\"dwmce36b3d_loan_display\">$240,000<\/div>\n          <\/div>\n\n          <hr class=\"dw-mc-sep\">\n\n          <!-- Period Toggle -->\n          <div class=\"dw-mc-period-row\">\n            <button class=\"dw-mc-period-btn active\" onclick=\"dwMcSetPeriod('dwmce36b3d','monthly')\">Monthly<\/button>\n            <button class=\"dw-mc-period-btn\" onclick=\"dwMcSetPeriod('dwmce36b3d','yearly')\">Yearly<\/button>\n          <\/div>\n\n          <!-- Total Payment -->\n          <div class=\"dw-mc-total-box\">\n            <span class=\"dw-mc-total-label\" id=\"dwmce36b3d_total_label\">Monthly Payment<\/span>\n            <span class=\"dw-mc-total-amount\" id=\"dwmce36b3d_total\">$1,482<\/span>\n            <span class=\"dw-mc-total-sub\" id=\"dwmce36b3d_rate_display\">at 7.15% &middot; 30-year fixed<\/span>\n          <\/div>\n\n          <!-- Breakdown bar -->\n          <div class=\"dw-mc-bar-wrap\" id=\"dwmce36b3d_bar\">\n            <div class=\"dw-mc-bar-seg\" style=\"background:#1a3a6e\" id=\"dwmce36b3d_bar_pi\"><\/div>\n            <div class=\"dw-mc-bar-seg\" style=\"background:#4db8ac\" id=\"dwmce36b3d_bar_tax\"><\/div>\n            <div class=\"dw-mc-bar-seg\" style=\"background:#f59e0b\" id=\"dwmce36b3d_bar_ins\"><\/div>\n            <div class=\"dw-mc-bar-seg\" style=\"background:#8b5cf6\" id=\"dwmce36b3d_bar_pmi\"><\/div>\n            <div class=\"dw-mc-bar-seg\" style=\"background:#ec4899\" id=\"dwmce36b3d_bar_hoa\"><\/div>\n          <\/div>\n\n          <!-- Breakdown rows -->\n          <div class=\"dw-mc-breakdown\">\n            <div class=\"dw-mc-breakdown-row\">\n              <span class=\"dw-mc-breakdown-name\"><span class=\"dw-mc-dot\" style=\"background:#1a3a6e\"><\/span>Principal &amp; Interest<\/span>\n              <span class=\"dw-mc-breakdown-val\" id=\"dwmce36b3d_pi\">$1,198<\/span>\n            <\/div>\n            <div class=\"dw-mc-breakdown-row\">\n              <span class=\"dw-mc-breakdown-name\">\n                <span class=\"dw-mc-dot\" style=\"background:#4db8ac\"><\/span>\n                Property Taxes\n                <div class=\"dw-mc-toggle-grp\" style=\"margin-left:4px\">\n                  <button id=\"dwmce36b3d_tax_pct_btn\" class=\"active\" onclick=\"dwMcSetTaxMode('dwmce36b3d','pct')\">%<\/button>\n                  <button id=\"dwmce36b3d_tax_amt_btn\" onclick=\"dwMcSetTaxMode('dwmce36b3d','yr')\">$\/yr<\/button>\n                <\/div>\n              <\/span>\n              <span style=\"display:flex;align-items:center;gap:8px\">\n                <span id=\"dwmce36b3d_tax_input_wrap\" style=\"width:80px\">\n                  <input type=\"number\" id=\"dwmce36b3d_tax\" min=\"0\" step=\"0.1\" value=\"1.5\" style=\"width:60px;border:1px solid #e2e8f0;border-radius:4px;padding:3px 6px;font-size:13px\" oninput=\"dwMcRecalc('dwmce36b3d')\">\n                <\/span>\n                <span class=\"dw-mc-breakdown-val\" id=\"dwmce36b3d_tax_display\">$375<\/span>\n              <\/span>\n            <\/div>\n            <div class=\"dw-mc-breakdown-row\">\n              <span class=\"dw-mc-breakdown-name\">\n                <span class=\"dw-mc-dot\" style=\"background:#f59e0b\"><\/span>\n                Insurance\n                <div class=\"dw-mc-toggle-grp\" style=\"margin-left:4px\">\n                  <button id=\"dwmce36b3d_ins_yr_btn\" class=\"active\" onclick=\"dwMcSetInsMode('dwmce36b3d','yr')\">\/yr<\/button>\n                  <button id=\"dwmce36b3d_ins_mo_btn\" onclick=\"dwMcSetInsMode('dwmce36b3d','mo')\">\/mo<\/button>\n                <\/div>\n              <\/span>\n              <span style=\"display:flex;align-items:center;gap:8px\">\n                <span style=\"width:80px\">\n                  <input type=\"number\" id=\"dwmce36b3d_ins\" min=\"0\" step=\"100\" value=\"1200\" style=\"width:70px;border:1px solid #e2e8f0;border-radius:4px;padding:3px 6px;font-size:13px\" oninput=\"dwMcRecalc('dwmce36b3d')\">\n                <\/span>\n                <span class=\"dw-mc-breakdown-val\" id=\"dwmce36b3d_ins_display\">$100<\/span>\n              <\/span>\n            <\/div>\n            <div class=\"dw-mc-breakdown-row\" id=\"dwmce36b3d_pmi_row\" style=\"display:none\">\n              <span class=\"dw-mc-breakdown-name\"><span class=\"dw-mc-dot\" style=\"background:#8b5cf6\"><\/span>PMI <small style=\"color:#94a3b8\">(< 20% down)<\/small><\/span>\n              <span class=\"dw-mc-breakdown-val\" id=\"dwmce36b3d_pmi_display\">$0<\/span>\n            <\/div>\n            <div class=\"dw-mc-breakdown-row\">\n              <span class=\"dw-mc-breakdown-name\"><span class=\"dw-mc-dot\" style=\"background:#ec4899\"><\/span>HOA\n                <input type=\"number\" id=\"dwmce36b3d_hoa\" min=\"0\" step=\"25\" value=\"0\" placeholder=\"0\"\n                       style=\"width:65px;margin-left:8px;border:1px solid #e2e8f0;border-radius:4px;padding:3px 6px;font-size:13px\"\n                       oninput=\"dwMcRecalc('dwmce36b3d')\">\n                <span style=\"font-size:11px;color:#94a3b8\">\/mo<\/span>\n              <\/span>\n              <span class=\"dw-mc-breakdown-val\" id=\"dwmce36b3d_hoa_display\">$0<\/span>\n            <\/div>\n            <div class=\"dw-mc-breakdown-row\">\n              <span class=\"dw-mc-breakdown-name\"><span class=\"dw-mc-dot\" style=\"background:#6b7280\"><\/span>Other\n                <input type=\"number\" id=\"dwmce36b3d_misc\" min=\"0\" step=\"25\" value=\"0\" placeholder=\"0\"\n                       style=\"width:65px;margin-left:8px;border:1px solid #e2e8f0;border-radius:4px;padding:3px 6px;font-size:13px\"\n                       oninput=\"dwMcRecalc('dwmce36b3d')\">\n                <span style=\"font-size:11px;color:#94a3b8\">\/mo<\/span>\n              <\/span>\n              <span class=\"dw-mc-breakdown-val\" id=\"dwmce36b3d_misc_display\">$0<\/span>\n            <\/div>\n          <\/div>\n\n          <div class=\"dw-mc-rates-footer\">\n            &#128204; Rates shown are estimates for illustration only. Contact a licensed lender for your personalized rate. Rates via Freddie Mac PMMS (2026-05-28).\n          <\/div>\n\n        <\/div><!-- \/.dw-mc-body -->\n      <\/div><!-- \/.dw-mc-card -->\n\n      <!-- \u2550\u2550 LENDER CARD \u2550\u2550 -->\n      <div class=\"dw-lender-card\">\n        <div class=\"dw-lender-header\">\n          <img decoding=\"async\" class=\"dw-lender-avatar\" src=\"https:\/\/daryl.darylwizinsky.com\/wp-content\/uploads\/sites\/8\/2026\/02\/756DF232-7B11-43A5-AB2E-BCD313CA690F.jpg\" alt=\"James Taveggia - Union Home Mortgage\" style=\"width:80px;height:80px;border-radius:50%;object-fit:cover;border:3px solid rgba(255,255,255,.4);margin:0 auto 12px;\">\n          <div class=\"dw-lender-name\">James Taveggia<\/div>\n          <div class=\"dw-lender-title\">Area Sales Manager<\/div>\n          <div class=\"dw-lender-company\">Union Home Mortgage<\/div>\n        <\/div>\n        <div class=\"dw-lender-body\">\n          <ul class=\"dw-lender-info\">\n            <li><span class=\"li-icon\">\ud83d\udcde<\/span> <span><strong>Office:<\/strong> (586) 343-0446<\/span><\/li>\n            <li><span class=\"li-icon\">\ud83d\udcf1<\/span> <span><strong>Mobile:<\/strong> (586) 722-8800<\/span><\/li>\n            <li><span class=\"li-icon\">\u2709\ufe0f<\/span> <span><a href=\"mailto:jtaveggia@uhm.com\" style=\"color:#1a3a6e\">jtaveggia@uhm.com<\/a><\/span><\/li>\n            <li><span class=\"li-icon\">\ud83d\udccd<\/span> <span>92 Mill Street, Rochester, MI 48307<\/span><\/li>\n            <li><span class=\"li-icon\">\ud83e\udeaa<\/span> <span>Licensed in FL, MI, CA &middot; NMLS #23433<\/span><\/li>\n          <\/ul>\n          <div class=\"dw-lender-btns\">\n            <a href=\"tel:5867228800\" class=\"dw-lender-btn dw-lbtn-call\">\ud83d\udcde Call James<\/a>\n            <a href=\"https:\/\/myuhm.uhm.com\/homehub\/signup\/jtaveggia@uhm.com?from_mobile_share=true\" target=\"_blank\" rel=\"noopener\" class=\"dw-lender-btn dw-lbtn-apply\">\ud83d\ude80 Apply Now<\/a>\n            <a href=\"mailto:jtaveggia@uhm.com\" class=\"dw-lender-btn dw-lbtn-email\">\u2709\ufe0f Email James<\/a>\n            <a href=\"https:\/\/myuhm.uhm.com\/homehub\/signup\/jtaveggia@uhm.com?from_mobile_share=true\" target=\"_blank\" rel=\"noopener\" class=\"dw-lender-btn dw-lbtn-status\">\ud83d\udd0d Loan Status<\/a>\n          <\/div>\n                    <p style=\"text-align:center;margin:14px 0 0;font-size:13px;color:#4a5568;line-height:1.6\">\n            Got pre-approved? &rarr; <a href=\"\/book\/\" target=\"_blank\" rel=\"noopener\" style=\"color:#1a3a6e;font-weight:700;text-decoration:none\">Book a Showing with Daryl &rarr;<\/a>\n          <\/p>\n          <p class=\"dw-lender-nmls\">\n            NMLS #23433 &middot; Union Home Mortgage Corp. &middot; NMLS #2229<br>\n            <a href=\"https:\/\/www.uhm.com\/loan-officers\/james-taveggia\/\" target=\"_blank\" rel=\"noopener\" style=\"color:#1a3a6e\">View Full Profile<\/a>\n            &middot;\n            <span>&#127968; Equal Housing Lender<\/span>\n          <\/p>\n        <\/div>\n      <\/div><!-- \/.dw-lender-card -->\n\n    <\/div><!-- \/.dw-mc-outer -->\n  <\/div>\n<\/section>\n\n<script>\n(function() {\n  var uid = \"dwmce36b3d\";\n  var RATES = {\"excellent\":{\"30yr\":6.53,\"15yr\":5.87,\"5arm\":6.22},\"good\":{\"30yr\":7.03,\"15yr\":6.37,\"5arm\":6.72},\"fair\":{\"30yr\":8.03,\"15yr\":7.37,\"5arm\":7.72}};\n\n  var state = {\n    price:    300000,\n    dpPct:    20,\n    dpMode:   'pct',\n    credit:   'good',\n    loan:     '30yr',\n    taxMode:  'pct',\n    insMode:  'yr',\n    period:   'monthly'\n  };\n\n  function fmt(n) {\n    return '$' + Math.round(n).toLocaleString('en-US');\n  }\n  function el(id) { return document.getElementById(uid + '_' + id); }\n  function rawEl(id) { return document.getElementById(id); }\n\n  function recalc() {\n    var price   = state.price;\n    var dp      = price * (state.dpPct \/ 100);\n    var loan    = Math.max(0, price - dp);\n    var rate    = RATES[state.credit][state.loan];\n    var r       = rate \/ 100 \/ 12;\n    var n       = state.loan === '15yr' ? 180 : 360;\n\n    \/\/ P&I\n    var pi = loan > 0 && r > 0\n      ? loan * (r * Math.pow(1+r, n)) \/ (Math.pow(1+r, n) - 1)\n      : 0;\n\n    \/\/ PMI\n    var pmi = (state.dpPct < 20 && loan > 0) ? loan * 0.005 \/ 12 : 0;\n\n    \/\/ Taxes\n    var taxInput = parseFloat(el('tax') ? el('tax').value : 1.5) || 0;\n    var taxMo = state.taxMode === 'pct'\n      ? (price * taxInput \/ 100) \/ 12\n      : taxInput \/ 12;\n\n    \/\/ Insurance\n    var insInput = parseFloat(el('ins') ? el('ins').value : 1200) || 0;\n    var insMo = state.insMode === 'yr' ? insInput \/ 12 : insInput;\n\n    \/\/ HOA\n    var hoaMo = parseFloat(el('hoa') ? el('hoa').value : 0) || 0;\n\n    \/\/ Misc\n    var miscMo = parseFloat(el('misc') ? el('misc').value : 0) || 0;\n\n    var totalMo = pi + pmi + taxMo + insMo + hoaMo + miscMo;\n    var mult    = state.period === 'monthly' ? 1 : 12;\n\n    \/\/ Update loan display\n    if (el('loan_display')) el('loan_display').textContent = fmt(loan);\n\n    \/\/ Update total\n    if (el('total_label')) el('total_label').textContent = state.period === 'monthly' ? 'Monthly Payment' : 'Yearly Payment';\n    if (el('total')) el('total').textContent = fmt(totalMo * mult);\n    if (el('rate_display')) el('rate_display').textContent = 'at ' + rate + '% \\u00b7 ' + state.loan.replace('5arm','5\/1 ARM').replace('30yr','30-yr fixed').replace('15yr','15-yr fixed');\n\n    \/\/ Update breakdown rows\n    if (el('pi')) el('pi').textContent = fmt(pi * mult);\n    if (el('tax_display')) el('tax_display').textContent = fmt(taxMo * mult);\n    if (el('ins_display')) el('ins_display').textContent = fmt(insMo * mult);\n    if (el('pmi_display')) el('pmi_display').textContent = fmt(pmi * mult);\n    if (el('hoa_display')) el('hoa_display').textContent = fmt(hoaMo * mult);\n    if (el('misc_display')) el('misc_display').textContent = fmt(miscMo * mult);\n\n    \/\/ PMI row visibility\n    var pmiRow = el('pmi_row');\n    if (pmiRow) pmiRow.style.display = pmi > 0 ? 'flex' : 'none';\n\n    \/\/ Breakdown bar\n    if (totalMo > 0) {\n      var seg = function(id, val) {\n        var s = el('bar_' + id);\n        if (s) s.style.width = Math.round(val \/ totalMo * 100) + '%';\n      };\n      seg('pi', pi); seg('tax', taxMo); seg('ins', insMo); seg('pmi', pmi); seg('hoa', hoaMo + miscMo);\n    }\n  }\n\n  \/\/ Public functions (called from onclick)\n  window.dwMcRecalc = function(id) { if (id === uid) recalc(); };\n\n  window.dwMcSync = function(id, field) {\n    if (id !== uid) return;\n    if (field === 'price') {\n      var pInp = el('price'); if (!pInp) return;\n      state.price = Math.max(0, parseInt(pInp.value) || 0);\n      var sl = el('price_sl'); if (sl) sl.value = Math.min(state.price, 2000000);\n      \/\/ Update dp_amt to match pct\n      if (state.dpMode === 'pct') {\n        var dpA = el('dp_amt');\n        if (dpA) dpA.value = Math.round(state.price * state.dpPct \/ 100);\n      }\n    } else if (field === 'dp_pct') {\n      var pct = el('dp_pct'); if (!pct) return;\n      state.dpPct = Math.min(100, Math.max(0, parseFloat(pct.value) || 0));\n      var sl2 = el('dp_sl'); if (sl2) sl2.value = state.dpPct;\n      var dpA2 = el('dp_amt'); if (dpA2) dpA2.value = Math.round(state.price * state.dpPct \/ 100);\n    } else if (field === 'dp_amt') {\n      var amt = el('dp_amt'); if (!amt) return;\n      var dpAmtVal = Math.max(0, parseInt(amt.value) || 0);\n      state.dpPct = state.price > 0 ? Math.min(100, dpAmtVal \/ state.price * 100) : 0;\n      var sl3 = el('dp_sl'); if (sl3) sl3.value = state.dpPct;\n      var pct2 = el('dp_pct'); if (pct2) pct2.value = state.dpPct.toFixed(1);\n    }\n    recalc();\n  };\n\n  window.dwMcSyncSlider = function(id, field) {\n    if (id !== uid) return;\n    if (field === 'price') {\n      var sl = el('price_sl'); if (!sl) return;\n      state.price = parseInt(sl.value) || 0;\n      var pInp = el('price'); if (pInp) pInp.value = state.price;\n      var dpA = el('dp_amt');\n      if (dpA) dpA.value = Math.round(state.price * state.dpPct \/ 100);\n    } else if (field === 'dp_pct') {\n      var sl2 = el('dp_sl'); if (!sl2) return;\n      state.dpPct = parseFloat(sl2.value) || 0;\n      var pct = el('dp_pct'); if (pct) pct.value = state.dpPct.toFixed(1);\n      var dpA2 = el('dp_amt'); if (dpA2) dpA2.value = Math.round(state.price * state.dpPct \/ 100);\n    }\n    recalc();\n  };\n\n  window.dwMcSetCredit = function(id, tier) {\n    if (id !== uid) return;\n    state.credit = tier;\n    var btns = document.querySelectorAll('#' + uid + ' .dw-mc-credit-btn');\n    btns.forEach(function(b) {\n      b.classList.toggle('active', b.getAttribute('data-tier') === tier);\n    });\n    recalc();\n  };\n\n  window.dwMcSetLoan = function(id, type) {\n    if (id !== uid) return;\n    state.loan = type;\n    var btns = document.querySelectorAll('#' + uid + ' .dw-mc-loan-btn');\n    btns.forEach(function(b) {\n      b.classList.toggle('active', b.getAttribute('data-loan') === type);\n    });\n    recalc();\n  };\n\n  window.dwMcSetPeriod = function(id, period) {\n    if (id !== uid) return;\n    state.period = period;\n    document.querySelectorAll('#' + id + ' .dw-mc-period-btn').forEach(function(b) {\n      b.classList.toggle('active', b.textContent.toLowerCase().trim() === period);\n    });\n    recalc();\n  };\n\n  window.dwMcSetDpMode = function(id, mode) {\n    if (id !== uid) return;\n    state.dpMode = mode;\n    var pctRow = document.getElementById(uid + '_dp_pct_row');\n    var amtRow = document.getElementById(uid + '_dp_amt_row');\n    var pctBtn = document.getElementById(uid + '_dp_pct_btn');\n    var amtBtn = document.getElementById(uid + '_dp_amt_btn');\n    if (mode === 'pct') {\n      if (pctRow) pctRow.style.display = 'flex';\n      if (amtRow) amtRow.style.display = 'none';\n      if (pctBtn) pctBtn.classList.add('active');\n      if (amtBtn) amtBtn.classList.remove('active');\n    } else {\n      if (pctRow) pctRow.style.display = 'none';\n      if (amtRow) amtRow.style.display = 'flex';\n      if (amtBtn) amtBtn.classList.add('active');\n      if (pctBtn) pctBtn.classList.remove('active');\n      var dpA = el('dp_amt'); if (dpA) dpA.value = Math.round(state.price * state.dpPct \/ 100);\n    }\n    recalc();\n  };\n\n  window.dwMcSetTaxMode = function(id, mode) {\n    if (id !== uid) return;\n    state.taxMode = mode;\n    var pBtn = document.getElementById(uid + '_tax_pct_btn');\n    var aBtn = document.getElementById(uid + '_tax_amt_btn');\n    var taxEl = el('tax');\n    if (mode === 'pct') {\n      if (pBtn) pBtn.classList.add('active');\n      if (aBtn) aBtn.classList.remove('active');\n      if (taxEl) taxEl.value = 1.5; taxEl.step = 0.1;\n    } else {\n      if (aBtn) aBtn.classList.add('active');\n      if (pBtn) pBtn.classList.remove('active');\n      if (taxEl) { taxEl.value = Math.round(state.price * 0.015); taxEl.step = 100; }\n    }\n    recalc();\n  };\n\n  window.dwMcSetInsMode = function(id, mode) {\n    if (id !== uid) return;\n    state.insMode = mode;\n    var yBtn = document.getElementById(uid + '_ins_yr_btn');\n    var mBtn = document.getElementById(uid + '_ins_mo_btn');\n    var insEl = el('ins');\n    if (mode === 'yr') {\n      if (yBtn) yBtn.classList.add('active');\n      if (mBtn) mBtn.classList.remove('active');\n      if (insEl) insEl.value = 1200;\n    } else {\n      if (mBtn) mBtn.classList.add('active');\n      if (yBtn) yBtn.classList.remove('active');\n      if (insEl) insEl.value = 100;\n    }\n    recalc();\n  };\n\n  \/\/ Initial calculation\n  recalc();\n})();\n<\/script>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":0,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2146","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Michigan Mortgage Calculator | Estimate Your Monthly Payment - Communities By Daryl Wizinsky &amp; 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