Compare Down Payments
The client wants to know the difference in payments if they put different down payment amounts.

Compare Rates
The client wants to know the difference in payments and interest with various rates.

Fixed vs Variable vs ARM
The client wants to know the difference between fixed, variable, and adjustable mortgages. They assume the prime rate will drop a few times this year, so they want to see if they should switch to Variable now or wait for it to drop later.

Switch now or later
The client wants to know the difference in cost and whether they should stay with the current lender for the remainder of the current term, or switch today to another lender, or wait three or six months. 

For example:
Current Lenders (2 years remaining)
Option 1: Switch to the new Lender now (low rates)
Option 2: Switch to a new lender in 3 months (lower rate)

5 year fixed vs 2 + 3 year fixed
The client wants to compare whether they should lock into a 5-year or a higher 2-year rate. They anticipate that rates will drop in 2 years and plan for a 3-year term. They also like to know the break-even rate to see if it is attainable.

Fixed vs VRM converted to Fixed after x months
The client wants to know whether they should go fixed or variable and how much they would save if they increased their payments after converting the variable into a lower fixed rate in x months. They will also try to match their second term payment with the option one's fixed rate for maximum savings.