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Mortgage Calculators

Mortgage calculators only provide estimates, and can differ from the figures provided by your lender as it is possible that your lender may handle fractions of a penny differently than our calculator. However, it is an excellent tool to use to become more knowledgeable of your repayment plan. Use mortgage calculator or apply online to contact a lender about your new mortgage.

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Shopping for a mortgage can be both exciting and stressful. Leave the frustration out of your experience by learning more about mortgages. There is plenty of information online to help you understand the types of loans available and the terminology that your lender may use. If your lender offers you an adjustable rate mortgage, it would be to your benefit to fully understand how this type of rate is inferior or superior to a fixed rate mortgage. Online glossaries and websites can give you necessary information to protect your interests. Mortgage calculators can also be used as a preparation tool for finding your new mortgage. Mortgage calculators give you an estimated monthly payment and also allow you to toy with possible mortgage terms and rates in order to create a standard for what you are looking for in a loan. Fill out our free short form to contact up to four lenders about your new mortgage or use our mortgage calculator to find out more.

The change in just one variable makes a large difference in the repayment of your loan. The monthly payment on a $150,000 loan with a 7% interest rate and a 30 year term would be increased by $351, from $997 to $1,348 if the loan term was changed to a 15 year term. Also, the total interest over the life of the loan would drop from $209,263 to $92,683. That one change will cost $351 more a monthly but save over $100,000 by the time the loan has been repaid. The loan you choose depends on whether your are most concerned with short term benefits or long term saving.

Mortgage calculators give you an estimate of your monthly payments, allowing you to see how certain rates and terms will affect your finances. This will give you the information you will need to walk away from a bad deal or to turn down loans you know you just can’t afford. Checking terms using a mortgage calculator will also help you avoid a process called negative amortization. Negative amortization happens when a lender gives you a monthly payment too low to cover the cost of interest. When interest is not paid, your principal balance rises. Instead of paying off this loan, you would wind up owing more and more as each year of repayment passed. Negative amortization is not common, and is generally only put into place by unscrupulous lenders, but it does exist, and shows that you should not be too trusting when it comes to your finances. Thoroughly research your new mortgage before you take on a loan that you may regret.

 


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Mortgage calculations are an accepted part of shopping around for a mortgage. Especially when you are debating between radically different loans such as adjustable and fixed rate mortgages… 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… FHA is a federal program for insuring home loans. FHA helps families with low income or poor credit to obtain a home loan with a small down payment and lower interest rates. Expo Financial can connect you with up to four competitive rate quotes for free…
Mobile home refinancing is a greater savings than ever thanks to low rates. Typically mobile homes are of lesser value and not as much can be gained from refinancing, but at todays rates the opposite may be true… Estimating your monthly mortgage payment is easy with an online loan calculator. Enter your interest rate, loan amount, and loan term and away you go. Only a mortgage broker can tell you what interest rate you will actually qualify for…

Current mortgage interest rates are published monthly and yearly and can easily be found online. Various types of loans are indexed by different interest rate measures…

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