The Best Mortgage Calculators On the Web! Please try my 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.
Selling Your Home >Showing Your Home
Real estate agents typically want the properties we market to look spotless and wonderful. However, the sellers eventually find that keeping their house in prime showing condition begins to wear thin after a few weeks for even the most impeccable housekeepers.
It is a lot of work to keep the beds perpetually made, the kitchen and bathrooms spotless and closets neat. Is it worth the effort? It is--if you want to sell your house for top dollar in a reasonable amount of time. Buyers often see normal clutter, and what registers is "this house hasn't been maintained." They see bathtub rings and think "plumber's bills." Dirt under the radiators causes them to imagine having to replace the entire heating and air conditioning system. People are often functioning more on emotion than logic when selecting a house. You can help your broker by minimizing the amount of imagination that buyers will need in order to fall in love with your home.
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What time of year is considered the busiest for homebuyers and sellers?
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Real estate is a year-round business, but spring is still considered the best time of year to showcase a home. |
 See More Real Estate Trivia > |
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Edna D. Lake
Realty Executives
7600 N. 16th St. Suite 100
Phoenix, AZ. 85020
602-861-3300
602-697-4437
Fax: 602-861-3301
Email: ednalake@NUMBER1EXPERT.com
Edna Lake ranks in the top 5% of the Realtors in the Phoenix Metropolitan area. She brings over 20 years of valuable experience to her clients. One of her outstanding accomplishments this year was that she sold a multi million dollar home that is located at the highest elevation on a mountain top, in the exclusive Town of Paradise Valley, Arizona.   
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