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Enter the loan amount, term, fees and discount points into NerdWalletâs calculator to determine the APR, or annual percentage rate, on a mortgage.APR is a loan-comparison tool that measures all the costs of a mortgage, including the interest paid over the life of the loan, origination fees and points. Credit scores directly impact mortgage interest rates. Mortgage Prequalification Calculator â NerdWallet. The calculator breaks your closing costs down into five categories: property-related fees, loan-related fees, mortgage insurance fees, property tax and homeowners insurance, and title fees. The NerdWallet Mortgage Calculator is exactly what you need â whether youâre buying, refinancing or developing a down payment savings plan and monthly budget for the future. Use our free mortgage calculator to quickly estimate what your new home will cost. Check out the web's best free mortgage calculator to save money on your home loan today. admin. 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