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... Will Buying Points Save You Money?
Should you buy points? Buying points when you close your mortgage can reduce its interest rate, which in turn reduces your monthly payment. But each "point" will cost you 1% of your mortgage balance. This calculator helps you determine if you should pay for points, or use the money to increase your down payment. Click on the "View Report" button to review your information.
Definitions
- Term
- Number of years for this mortgage. Most common terms
are 15 years and 30 years.
- Mortgage amount
- Total balance for your mortgage.
- Interest rate
- Annual interest rate for this mortgage without purchasing any discount points.
- Years in home
- The number of years you expect to live in this home or the number of years before you refinance your mortgage.
- Principal and interest
- Monthly principal and interest (PI) for this mortgage.
- Points rate
- Annual interest rate for this mortgage with discount points.
- Points
- The number of discount points you need to receive the lower rate. Each point costs 1% of your mortgage amount.
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 >Bargaining
You found a house that seems perfect and you really love it. The chemistry is there, and the price is right. If you are like many buyers, you start off by asking the real estate agent if the sellers will take less than they are asking.
A real estate agent doesn't know what the sellers' bottom price is. The sellers often don't know themselves until they get an offer. In many cases, the price is negotiable, but the only way to test it is to make the sellers a written offer to accept or counter.
Attractive, well-priced homes usually sell quickly in any market. If you get involved in offers and counter offers, another buyer could come in with a better offer while you are negotiating back and forth. If you cannot qualify for financing at the asking price and you are willing to risk losing the house, you can make a lower offer. But if it will break your heart to lose a home you really love and you can afford it, it may be better to avoid bargaining and simply pay the asking price.
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| Q |
What private residence is considered the most expensive house ever built?
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| A |
The William Randolph Hearst Ranch in San Simeon, California cost over $30 million, equivalent today to $276,883,320. Bill Gates recently built a home for over $40 million.
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 See More Real Estate Trivia > |
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Pokorney/Sutton Group
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The Pokorney/Sutton Group is the source for all your residential real estate needs. Realtor®
Karen Pokorney is a Certified Residential Specialist (CRS) and an Accredited Buyer Representative (ABR) with over 20-years of real estate success stories to share. Karen has successfully guided hundreds of clients through the buying, selling, investing and relocating process on the principles of professionalism, dedication, trust and exemplary customer service. Karen has assembled a team of experienced, hard-working professionals committed to helping you achieve your real estate goals. Whether you are looking to sell your multi-million dollar home, purchase a vacation/golf course property, seek investment opportunities or a first-time home buyer, the Pokorney/Sutton Group is for you!
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