The Best Mortgage Calculators On the Web! 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 - right before your eyes - 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... 15 vs. 30 Yr Mortgages
Determining which mortgage term is right for you can be a challenge. With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Definitions
- Mortgage amount
- Original or expected balance for your mortgage.
- Interest rate
- Annual interest rate for your mortgage. Interest rates are generally lower for shorter term mortgages.
- Marginal tax rate
- This is your combined state and federal tax rate. This is used to calculate your potential income tax savings by deducting your mortgage interest.
- Monthly payment
- Monthly principal and interest payment (PI). Both 30 year and 15 year mortgages are shown.
- Total payments
- Total of all monthly payments over the full term of the mortgage. Both 30 year and 15 year mortgages are shown.
- Total interest
- Total of all interest paid over the full term of the mortgage. Both 30 year and 15 year mortgages are shown.
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.
Buyers Remorse >For Sale to SOLD
It takes a lot more than a "For Sale" sign in the front yard, a Multiple Listing entry, and an occasional ad in the classifieds to get a listing sold. When real estate agents sell a house, we sometimes have to "sell" it again and again before the contract is actually signed by the buyers and sellers.
Many events must occur before the closing. The house must be "sold" to the buyers' relatives, the home inspector, the appraiser, and other experts. The buyers must secure a mortgage. At some point during the process, the buyers may go through a serious case of "buyers' remorse" and consider backing out of the transaction. Since the transaction could potentially fall through at any step in the process, you will find the services of a professional real estate agent invaluable. Agents continue to present the house in the best light possible and use thier professional skills to solve any problems that may arise.
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| Q |
1992 marked the first year since before the Civil War that there were fewer than 2 million ________ in the United States?
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| A |
There are fewer than 2 million farms, and agricultural land is still being carved up for residential and commercial uses. |
 See More Real Estate Trivia > |
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Julie Corbo
Keller Williams Realty
NJ Metro Group
Montclair, NJ
Office: (973) 783-7400
Cell: (973) 650-6189
Fax: (973) 509-0918
juliecorbo@NUMBER1EXPERT.Com
julie@juliecorbo.com
As a realtor, I am a consistent high-producing, service-oriented, full-time professional, passionate and focused in the details of all my transactions.
Having lived in the Montclair area for over 20 years, I have the expertise in guiding BUYERS through each community and matching their lifestyles where they best fit.
For SELLERS, my negotiating skills, sharpened and refined by 20 years of global travel and international media sales - negotiating agreements in a multi-cultural environment - makes me an ideal Listing Agent assisting my Sellers to create an environment to bring in the most buyers, manage multiple offers, negotiate the highest price, and similarly, take each transaction smoothly to the closing table.    
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