The Best Mortgage Calculators On the Web! Please try our Java loan and mortgage calculators. They take a minute to load, but they are worth it! Each calculator has dynamic graphs and charts that change - right before your eyes - as you enter different information. Try each calculator with different interest rates, loan amounts, and payment schedules. The mortgage repayment schedule and other reports are fully customizable - just for your home, your interest rate, your loan amount, your taxes, and more. Would you like a print out, for your records and future reference? Each calculator includes a View Report button. Click it, hit print, and you have a report, customized just for you... 15 vs. 30 Yr Mortgages
Determining which mortgage term is right for you can be a challenge. With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Definitions
- Mortgage amount
- Original or expected balance for your mortgage.
- Interest rate
- Annual interest rate for your mortgage. Interest rates are generally lower for shorter term mortgages.
- Marginal tax rate
- This is your combined state and federal tax rate. This is used to calculate your potential income tax savings by deducting your mortgage interest.
- Monthly payment
- Monthly principal and interest payment (PI). Both 30 year and 15 year mortgages are shown.
- Total payments
- Total of all monthly payments over the full term of the mortgage. Both 30 year and 15 year mortgages are shown.
- Total interest
- Total of all interest paid over the full term of the mortgage. Both 30 year and 15 year mortgages are shown.
The mortgage calculators are provided by KJE Computer Solutions, LLC and made available to NUMBER1EXPERT as self-help tools for your independent use and are not intended to provide investment advice. We can't guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Making An Offer >Making Your Offer
When you find the right home, what can you do to maximize your chances of actually getting it? The first step you should take is to make a prompt offer.
Whether you are in a buyers' or sellers' market, taking too much time to initiate an offer can cost you money, especially if you are planning to offer less than the asking price or will be asking for special terms. If your offer is the only one on the table, the sellers will consider it, and if they don't accept it, they may make a good counter offer. While you are "sleeping on it", however, you risk the possibility of another offer coming in. If another buyer appears on the scene, you lose an important advantage while you and the sellers are going back and forth with offers and counter offers. A buyer who really wants that special house will make the best possible offer --as quickly as possible.
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What does the term Curb Appeal mean?
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| A |
This term describes how homes look from the street; this first impression is very important to prospective homebuyers. |
 See More Real Estate Trivia > |
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Jodi MacHardy's Team
Coldwell Banker United Realtors
13376 Research Blvd., Suite 120
Austin, TX. 78750
Toll Free: 888-763-0343
Cell: 512-496-4663
Fax: 254-526-0375
Email: jodimachardy@NUMBER1EXPERT.com
I have been a real estate agent in Central Texas for over 15 years. Ever since I was featured on the cover of Real Estate Magazine at the age of 29 I have been committed to providing my customers with the best customer service available and a no-holds barred approach towards getting my clients the best deal possible. I work hard so you don't have to!!!
Some of my achievements include: Being recognized by Texas Real Estate Magazine as the most successful Realtor under 30, have consistently been a member of the multi-million dollar club, associated with the USAA Mover's Advantage Team, listed as one of the Dell Corporation's recommended Realtor's and more...
I am an experienced real estate agent with over 15 years. If you hire me as your real estate agent you will not be disappointed! I will assist you with all inspections for your home, compare prices of homes that have recently sold in your area to make sure your buying or selling your home at a good price, and helping you with the mortage end to make sure you get the best interest rate, all the way to closing on your home.Call Jodi MacHardy for all your real estate needs!
I can be reached at : 512-496-4663 and toll free 888-763-0343 or email me at jodilin@earthlink.net . I look forward to hearing from you 
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