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Mortgage Amortization Calculator

Amortization is the process or schedule of repayment of your mortgage. A mortgage amortization calculator can help you make sure that your new mortgage suits you the same way as your new home. Taking the same amount of care accepting your mortgage as you do choosing your home is important, and will help you remain satisfied with both choices as the years go by. Use our mortgage amortization calculator to see an estimate of your future monthly payments or apply online to contact up to four lenders.

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Researching the mortgage process can only help you as you go about finding your new mortgage. Educating yourself about this process can help you avoid loans that would create too much of a burden on your finances, and also loans that are simply bad deals. The more you know about mortgages and mortgage terminology, the more prepared you will be to take on a loan. For example, learning a little about mortgage amortization, will help you avoid what is known as negative amortization. Negative amortization occurs when an unscrupulous lender gives you a monthly payment that does not cover the interest your principal accrues monthly, causing your balance to increase instead of decrease. This does not happen often, but when it does, it can cause a borrower to default on their loan and lose the property that is rightfully theirs. Using a mortgage amortization calculator can keep you from unknowingly accepting a loan that will hurt you financially.

A mortgage amortization calculator helps you decide your preference in the following elements of a loan:

  • a minimum down payment you will need to give to get the monthly payment you desire
  • the best term length for your financial goals
  • the highest interest rate you are willing to accept
  • the benefit of extra yearly payments

Mortgage amortization calculators take a mortgage amount, interest rate, and repayment term, in order to give an estimated monthly payment.. Some calculators also give the amount of interest you will pay by the time the loan is repaid. If the mortgage amount is $150,000, the term is 30 years and the interest rate is 7%, the monthly payment will equal $997 and the interest paid will total $209,263. Changing any of the components of the mortgage may alter the monthly payment and interest drastically, exhibiting how important a one percent increase in interest, or another such small change, can affect your finances. Use our calculator to decide the maximum interest rate and loan term you are willing to take. This way you will be able to turn down a loan that will hurt your finances, and recognize the loan that fits in with your financial goals when you see it.


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Mortgage amortization calculations are a souped up simple monthly payment calculation that will also show you the different amounts of interest your will pay each month as a part of your mortgage payment… Need a mortgage payment calculation? Our calculators are free and easy. Estimate your interest rate and loan term and let our calculators supply you with a printer friendly estmate of your loan… Refinancing a home mortgage is simply a replacement of an old loan with a new one. If rates are lower or you aren’t satisfied with the terms and conditions of your present loan, refinancing is a gateway to change for you…
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… Mangeable monthly payments are the key to a happy mortgage. If you are looking for a loan try one of our loan calculators to estimate your future monthly mortgage payments. Find a reasonable loan amount and interest rate and save the results…

A reverse mortgage is a way of turning your home into a source of income in your later years. In a reverse mortgage the equity in your home is converted into income that can be paid out in a lump sum or as a monthly payment to the mortgagee…

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