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...

Monthly Payments & Schedule

Use this calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay and your principal balances. You can even determine the impact of any principal prepayments! Press the "View Report" button for a full yearly or monthly amortization schedule.

This Financial Calculator requires a Browser with Java Support

Definitions

Mortgage amount: Original or expected balance for your mortgage.
Interest rate: Annual interest rate for this mortgage.
Term in years: The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.
Monthly payment: Monthly principal and interest payment (PI).
Total payments: Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.
Total interest: Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.
Prepayment type: The frequency of prepayment. The options are: none, monthly, yearly, and one-time payment.
Prepayment amount: Amount that will be prepaid on your mortgage. This amount will be applied to the mortgage principal balance, based on the prepayment type.
Start with payment: This is the payment number that you prepayments will begin with. For a one time payment, this is the payment number that the single prepayment will be included in. All prepayments of principal are assumed to be received by your lender in time to be included in the following month's interest calculation. If you choose to prepay with a one-time payment for payment number ZERO, the prepayment is assume to happen before the first payment of the loan.
Savings: Total amount of interest you will save by prepaying your mortgage.

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.

Real Estate Contracts >Deadlines

Both buyer and seller should be aware of all of the deadlines in their purchase agreement. Each contract is different, but there are usually time limits covering the structural contingency, the financing application, the loan commitment, and the closing.

If you are a careless buyer, you could lose your right to ask a seller to pay for needed repairs. There may be a limit on the time the seller has to respond to the buyer's request to complete repairs that are not required by the contract. Failure to apply for your mortgage on time may place your deposit at risk if the loan is denied. In many cases, the agreement can be declared null and void by the seller if financing is not approved within the time frame set forth in the contract. A delayed closing can cost the sellers money, and they may ask the buyer to reimburse these expenses.

Work closely with your real estate agent to ensure that all of your transaction deadlines are met.

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Kristine Devine, REALTOR®, real estate agent and broker for Gilbert, Chandler and Mesa Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Kristine Devine, CRS
Keller Williams Integrity First Realty
2500 S. Power Rd., Suite 121
Mesa, AZ 85209
Direct: (602) 920-7653
Fax: (480) 889-2123
Toll Free: (800) 595-2130
Kristine@DevineProperties.com
My mission is to Always Care. My vision is to be the Real Estate Team of Choice. Why should you choose Devine Properties? It is difficult to be the pitcher, outfielder, and baseman all at one time. A single agent just cannot field every hit. Whether buying or selling it is a complex process. When you select our group of Real Estate Specialists you are ensured the highest level of professionalism guiding you through every facet of your real estate transaction. Our consultative approach sets us apart from other agents. We do not simply "tell and sell." Our goal is to guide you in making highly effective and informed decisions every step of the way.

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