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Real Estate Calculators

If you are in the market for a new home, a real estate calculator may give you valuable information to use when making decisions about the mortgage you will need to finance such a large purchase. A real estate calculator will give you an estimated monthly payment, along with a schedule showing interest and principal payments. A calculator can also give you estimates on the amount of interest you will pay yearly and in total. Use our real estate calculator to explore mortgage terms or fill out our free short form to contact up to four lenders about your new mortgage.

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Adding an extra yearly payment can shorten your mortgage term up to ten years. Extra payments can also significantly lower your interest payments. A real estate calculator can give an estimate on the savings extra yearly payments will create, helping you decide whether or not such payments would be worthwhile. However, it is possible that your mortgage may have prepayment penalties that will cause you to be fined if your mortgage is repaid early. If you think extra yearly payments would be beneficial, contact your lender to make sure there are no prepayment penalties or to add extra payments into your mortgage plan.

Using a real estate calculator will help you avoid negative amortization. Although uncommon, negative amortization is sometimes practiced by unethical lenders. Amortization is the repayment of a debt by making regulated installments. If your monthly payment is set too low to pay off your accruing interest, your debt does not decrease. Instead, it increases as your repayment period moves along. If your mortgage has negative amortization, as you pay more, you will owe more. Negative amortization is not likely to happen, but it could cause you to default on your loan, damaging your credit and possibly causing you to lose your home. A real estate calculator can be used to make sure that this does not occur with your mortgage.

A real estate calculator gives helpful information on several elements of your mortgage:

  • the effect of a shorter or longer loan term
  • the impact of the interest rate on your loan
  • the benefit of extra yearly payment
  • whether or not an increased down payment will be necessary

 


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  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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The simplest of real estate calculators is the loan payment calculator. We offer a loan payment calculator (mortgage calculator) that provides a complete loan amortization schedule with its output… Mortgage lending services involve the borrower, real estate agent, mortgage broker, buyer and the underwriter. Communication flows between all of these parties directly or indirectly throughout the loan process… If you would like to see the precise amount of interest and principal paid on your loan each month you need to refer to an amortization table. An amortization will show you exactly how much principal is paid down on your loan and also the portion taken out for interest…
A mortgage lender is chosen by your mortgage broker to finance your loan. An experienced mortgage broker has strong working relations with a lender to provide you the best rates for your lending needs… Mortgage brokers from our website provide competing rates to earn your business. Shopping around can be a great way to get the very best rate you can on your home loan. We connect you with as many as four lenders…

Mortgages are the largest monthly payments most all of us make throughout our lives. While it is a joy to go from renting to owning we still want to get the best rate possible and understanding all of our options before taking the plunge…

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