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Amortization Chart

Hear is an example of the information you would be able to get using an amortization chart. If you are buying a home priced at $162,000 and you are paying $12,000 down, the principal balance of your loan will be $150,000. At 7% interest, you will wind up with a monthly payment of $997 and an average monthly interest of $581. The interest paid in the first year will be $9,584, and the total interest paid over the life of the loan will be $209,263. However, if you adjust the information entered (for example, if you change the interest rate to 5% or the down payment to $6,000) the estimated monthly payments and accrued interest will be altered dramatically.

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Taking on a new loan can be a tiring experience, but it does not have to be. Be prepared when you talk to lenders. Know what terms you can accept and which are beyond your means. An amortization chart can help you know what kind of loan will fit into your budget. This type of chart allows you to enter your income and outgoing payments in order to see what kind of repayment schedule will fit you best. Enter your information into our amortization chart to get an estimate on your monthly payments and fill out our free short form to contact up to four lenders about your mortgage.

Amortization charts can help you with other decisions as well. When you set up your loan repayment schedule, you can schedule in an extra payment each year. To you, one extra payment yearly may either sound like a small amount or far too much strain to put on your finances. An amortization chart can help you see whether or not one extra payment yearly will be worth the stress of paying out extra money. One extra yearly payment on the loan used above will change the average monthly interest from $581 to $444 and the total interest paid over the life of the loan from $209,263 to $160,025. Be careful; if you do not schedule in an extra payment at the start of your loan, you may be subject to prepayment fees if you pay off your loan before the expected date.

Amortization charts can help you decide on the following information:

  • the length of term you want
  • the minimum down payment you will need to give
  • the highest interest rate you are willing to accept
  • whether an extra yearly payment is worthwhile


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An Amortization Chart is a nice easily printed table showing how much interest and principal is paid with each mortgage payment of a home loan. Amortization charts can also indicate the effects of extra monthly payments on the loan… VA loans are offered to veterans of the United States military at great rates. With little or no money down and fixed rates of interest, these loans can be used for amounts up to a ceiling of $240,000. Additionally, there are no prepayment penalties on these wonderful loans… Getting a home construction loan to finance the building of your home can be one of the best decisions you ever make. Take advantage of your own creative genious and spending power by financing the construction of a home that meets your every desire…
A home improvement loan is as wise now as a recinance because of low interest rates. Home improvements offer a way to add value to your home and also increase your standard of living. Finance your home’s improvements with the help of Expo Financial… First time home buyer programs are the solution for those looking to purchase their first home but lack the savings to make a large down payment. Offered at eitehr the state or local level, these prorams provide valuable information and help for new home buyers…

Our free mortgage payment calculator will also provide for you a mortgage amortization of your monthly payments over the life of the loan. Print this out for your records or ask one of our brokers more questions about it over the phone…

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