Tools and calculators are provided as a courtesy by E-LOAN to help you estimate your financial needs. The results yielded by these tools and calculators, however, are merely estimates and they do not guarantee available credit amounts, potential savings, tax benefits or the like. E-LOAN makes no warranty regarding the tools or calculators, nor regarding the results they produce. Should you have any questions about your specific financial situation, E-LOAN strongly recommends that you consult with your own financial advisor. For loan calculators, the annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. Payments shown do not include amounts for taxes and insurance; actual payment obligation will be greater.