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Mortgage Calculations

Mortgage calculation can make it easier to decide the following information:

  • the optimal term length
  • 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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Small changes in interest rates or loan terms can make a large difference in your loan and the amount of money you pay by the time your loan is finished. For example, many mortgage calculators allow you the option of making an extra yearly payment. One extra payment yearly could possibly make a large impact on your loan. One extra yearly payment on a loan of $150,000 at 7% with a 30 year term can 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, a difference of nearly $50,000. However, on the same loan with a 15 year term, the difference in total interest would only be $9,500. If you do plan to make an extra payment yearly, check with your lender to make sure that there are no prepayment fees if you pay off your loan before the expected date.

Buying a new home usually means taking on a new mortgage, both of which you will have to live with for the next five to thirty years. Making sure that the mortgage suits you just as well as your new home will help make those years more enjoyable. Looking into the possible terms of your new mortgage can only help. A good way to go about researching mortgage terms is to use a mortgage calculator. Mortgage calculation will help you choose the loan you want and ensure that you do not take on loan that you can not afford. Enter your information into our mortgage calculator to get an estimate on your monthly payments and fill out our free short form to contact up to four lenders about your new mortgage.

Mortgage calculation generally works in this way: A mortgage amount of $150,000 with an interest rate of 7% and a term of 30 years will have a monthly payment of $997. The total interest paid on this loan will be $209,263 and the monthly average of interest will be $581. If the interest on this loan seems to high but you do not qualify for another rate, shortening your term to 15 years can save you money on interest. If you change the term entered into the calculator to 15 years, keeping all of the other information the same, the total interest paid is reduced to 92,683, a difference of over $100,000.


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Mortgage calculations can be done online for anything from debt consolidation to mortgage loans. If you have an idea of what interest rate you will be able to get you can put in your loan amount and figure out your monthly payments… Loans are a great way to finance expensive purchases because of low interest rates. If you are a home owner you should consider using the equity in your home to help you get a lower rate by using your home as collatoral on your loan… Get a construction loan quote with our free short application. A qualified mortgage broker in your area will contact you with the best possible interest rate for your new loan…
A mortgage calculator is an easy way to estimate your monthly payments on a loan while you are shopping around for a good rate. Our calculators are free and can provide three different types of calculations… Homeloans are the key to turning renters into home owners. The joy and confidence that comes with owning your own home is like nothing else. Get a home loan today and take advantage of low interest rates…

Home construction loans are the financed purchase of the land, materials, and labor for building your own home. You can finance all 100% of your construction costs or pay part of it down as a form of down payment on your new dream home…

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