Please try my Java loan and mortgage calculators. They take a minute to load, but they are worth it!
Each calculator has dynamic graphs and charts that change as you enter different information. Try each calculator with different interest rates, loan amounts, and payment schedules.
The mortgage repayment schedule and other reports are fully customizable - just for your home, your interest rate, your loan amount, your taxes, and more.
Would you like a print out, for your records and future reference? Each calculator includes a View Report button. Click it, hit print, and you have a report, customized just for you...
Will Buying Points Save You Money?
Should you buy points? Buying points when you close your mortgage can reduce its interest rate, which in turn reduces your monthly payment. But each "point" will cost you 1% of your mortgage balance. This calculator helps you determine if you should pay for points, or use the money to increase your down payment. Click on the "View Report" button to review your information.
Definitions
Term
Number of years for this mortgage. Most common terms
are 15 years and 30 years.
Mortgage amount
Total balance for your mortgage.
Interest rate
Annual interest rate for this mortgage without purchasing any discount points.
Years in home
The number of years you expect to live in this home or the number of years before you refinance your mortgage.
Principal and interest
Monthly principal and interest (PI) for this mortgage.
Points rate
Annual interest rate for this mortgage with discount points.
Points
The number of discount points you need to receive the lower rate. Each point costs 1% of your mortgage amount.
The mortgage calculators are provided by KJE Computer Solutions, LLC and made available to NUMBER1EXPERT as self-help tools for your independent use and are not intended to provide investment advice. We can't guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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Bargain Properties >Advice From Real Estate Agents
When buying a home, it is essential to cooperate as closely as possible with your real estate agent. This can be challenging, especially if your agent asks you to do some things that you don't particularly want to do to in order to get you moved into your new home as quickly as possible.
When real estate agents advise you regarding ways to make the transaction work, they are acting as part coach and part business consultant. If you find the house you love and want to "sleep on" the decision for a few days, the agent knows that you run the risk of losing the house. If you are inclined to complicate your offer with clauses that might make the contract unattractive to the sellers, the agent may ask you to consider some modifications. Should you call the week before the closing with an attack of "buyer's remorse", your agent knows the cure. Following your real estate agent's suggestions will increase your chances for a successful move!
Jennifer Kelly RE/MAX Alliance 4703 A Boardwalk Drive. Fort Collins, CO 80525 Cell: 970-581-9005 Direct: 970-206-8247 FAX: 970-225-0118 jenniferkelly@NUMBER1EXPERT.com
You are important to me and I am passionate about real estate!! I love helping buyers, sellers, investors, and those in a distressed situation get RESULTS!!!
I recognize the huge value the internet plays in the real estate market today. Therefore, my marketing efforts for my Buyers/Sellers rely heavily on links with 25+ on-line real estate resources -- helping both Buyers and Sellers achieve their real estate goals!
I enjoy real estate and would welcome the opportunity to help you and your family to meet your real estate objectives.
Contact me TODAY!!
- NUMBER1EXPERT 
