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Loan Calculators

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.

The figures determined by loan calculators are only estimates, but can help you get an accurate idea of how much you can afford to take on and at what terms. Preparation can make the loan process far easier. Learn more about your loan using our loan calculator or fill out our free short form to contact lenders about your new loan.

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.

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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Mobile Home / Manufactured Home Refinancing – must apply here instead
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Loan calculators are free tools that will let you determine your monthly payment on a new loan. You can also print an amortization table to see your payments over the entire life of the loan broken down into interest and principal… PMI is paid by borrowers on mortgages that have less than 20 percent equity. If you signed your loan following 1999, federal law requires that your PMI is lifted once you have reached 20 percent equity in your home… A VA Home loan is an affordable way for veterans to get a more economical mortgage. If you served in the military for two or more years since 1980 you will probably qualify for the assistance of a goverment insured VA loan…
A licensed mortgage broker can tell you all of your options for refinancing your house. If you have seen improvements in your credit or in the over all market rates there are probably savings to be had. Contactin a mortgage professional is the first step… Refinancing your manufactured home loan makes sense if you intend to stay in your home for even as little as three years and or rates have dropped even as little as one percent from your original loan…

Act now while the home loans market is hot and you can get a low interest rate on your new home loan. Walk away satisfied knowing you got the best rate possible for your circumstances with the help fo a qualified mortgage professional…

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