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Loan Calculators

To get your estimated monthly payment, enter you loan amount, interest rate, and loan term into a loan calculator. If your loan is for $150,000, with an interest rate of 7% and a term of 30 years, the loan calculator will give you an estimated monthly payment of $997. Loan calculators can also show you the amount of interest you will have paid by the end of the payment period. In this case that amount will be $209,263. If this amount of interest sounds too high and you are capable of paying more than $997, shortening the repayment term can cut the interest in half.

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Preparation can keep the search for a loan from becoming a stressful experience. There are many ways to take charge of the loan process. Before you consider a loan, you should know yourself and know the type of loan you want. Ordering a copy of your credit report can keep you from being surprised or disappointed by the loan or terms offered to you. It can also help you start planning how to fix your credit if it has been damaged. Knowing the type of loans available can help you when it comes down to deciding whether or not to close a certain loan. If you know in advance that a 15 year term on a 9% interest rate will yield a payment to high for your income, you will be less likely to convince yourself to take on a loan that will give you too much financial strain. Loan calculators can give you estimated monthly payments and help you choose which terms fit you best. Apply online to contact up to four lenders about your new loan or use our loan calculator to get an estimate on your monthly payments.

The loan calculator shows that a loan of $150,000 with a term of 15 years at 7% will have monthly payments of $1,348, which is $351 more than you would pay with a 30 year repayment term at the same interest rate and amount. However, where as the total interest paid on the 30 year loan would be over $200,000, the total interest paid on the 15 year loan is only $92,683. This would save you over a $100,000 in the long run. If you can afford to pay $351 more a month, it would be important to keep the shorter repayment term in mind when looking into finding a mortgage. If having a lower monthly payments is more important, then you will probably be willing to sacrifice the additional $100,000 paid gradually over the 30 years in order to save the $351 monthly.

Loan calculators can also show the difference that an extra yearly payment can make in your repayment schedule. Many lenders allow you to arrange this upfront, and it is often a good idea to do so if you are planning to make an extra payment because some lenders may have prepayment fees that penalize you for paying your loan off early. Many loan calculators allow you to plug in how many extra payments you would like to make over the life of the loan, which in most cases would be once yearly. An extra yearly payment can cut interest paid and also cut the length of the loan, often shortening the repayment period up to ten years.

 


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Loan calculators will let you do a multitude of things before ever taking out a loan. You can determine your estimated montly payments as well as toy around with the interest rate input to see how it affects the interest you pay over the life of your loan… Unlike a simple mortgage calculator, an amortization schedule will show you your interest paid for each of your monthly mortgage payments. Try our free mortgage calculator and look at the amortization schedule result to see what you pay in interest each year… Borrowing money can be a complicated process that our mortgages lenders help to simplify. Because they deal day in day out with clients of differing needs, they are well suiting to tailoring their services to your borrowing needs…
If you would like to see the precise amount of interest and principal paid on your loan each month you need to refer to an amortization table. An amortization will show you exactly how much principal is paid down on your loan and also the portion taken out for interest… Equity loans can be taken out to get cash for a large purchase or to simply consolidate and pay off higher interest debts from credit cards or other debts. Expo Financial can get you up to four competitive quotes to get you the best rates possible…

Manufactured home loans are more popular than they once were thanks to improvements in the homes constructions and overall desirability. Take advantage of today’s great rates with a fixed rate mortgage on your home…

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