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.

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 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.

Insurance >Home Warranty Benefits

Home warranty policies are available to both homebuyers and sellers. What are the advantages of purchasing one?

As the buyer, a home warranty can save you money. If the refrigerator stops working during a hot spell shortly after you move in, it will be fixed or replaced under the warranty at a fraction of the cost of buying a new refrigerator. If you are buying an older home, you might ask the seller to provide a one-year warranty as an incentive. The warranty will protect you from major expense if the plumbing suddenly fails or the roof starts leaking.

As the seller of an older home, you can understand how the warranty can make your home more attractive if you put yourself in the buyer's shoes. The warranty relieves the buyer of concern that they will have to spend thousands to repair a major system that breaks down unexpectedly. It also relieves you of anxiety that the buyer will sue you for failing to disclose a material defect. The warranty only costs a few hundred dollars and can be paid for when the transaction closes.

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Q	What was the longest distance a building has ever been moved?
A	Detroit's five-story Gem Theater, built in 1927, was moved 1,850 feet (5 blocks) to make way for two new sports stadiums.
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The Rosemary Hofer Group, REALTOR®, real estate agents and broker for Pocahontas County, Snowshoe and Greenbrier County, West Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

The Rosemary Hofer Group
Hidden Creek Realty
US Hwy 219 North HC69, BOX 11-B
Marlinton, WV. 24954
Broker: Michael Briel
Phone: 304-799-2606
Fax: 304-799-2607
Email: rhofer@NUMBER1EXPERT.com
Rosemary Hofer is associated with Hidden Creek Realty. Prior to moving to West Virginia she lived in Virginia where she worked for a RE/MAX company. She was a RE/MAX "Top 25" Virginia Real Estate Agent, and received the RE/MAX Hall of Fame award in 1999. Her clients range from first time buyers looking for $60,000 condominiums to well-established executives shopping for million dollar estates. Every client receives the attention to detail that is necessary for a smooth transaction. Rosemary's goal is to exceed all of her clients expectations to such an extent that they will make her their Real Estate Consultant For Life! Call or email her today!

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