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There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
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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... What Is Your APR?
Use this calculator to determine the Annual Percentage Rate (APR) for your mortgage. Press the report button for a full amortization schedule, either by year or by month.
Definitions
- Annual Percentage Rate (APR)
- A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate may be a bad value if its fees are too high. Likewise, a loan with a higher stated rate with very low fees could be an exceptional value. APR calculations incorporate these fees into a single rate. You can then compare loans with different fees, rates or different terms.
- 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.
- Loan origination percent
- The percent of your loan charged as a loan origination fee. For example, a 1% fee on a $120,000 loan would cost $1,200.
- Discount points
- Total number of "points" purchased to reduce your mortgage's interest rate. Each "point" costs 1% of your loan amount.
- Other fees
- Any other fees that should be included in the APR calculation. These fees can vary by lender, but at a minimum usually includes prepaid interest.
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.
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For Sale By Owner >Selling Tools
After a month of trying to sell your home "By Owner" you may decide to list it with a real estate agent. If you are in this position, you may begin to notice that your agent doesn't market the home the same way you did. You ran classified ads every weekend, but your agent has only advertised twice all month. Even so, there is a lot more interest and activity than you were able to generate on your own.
When your home is being marketed professionally, your real estate agent has many powerful selling tools that make it worth hiring someone who is experienced and competent. Some advantages to hiring an agent are the national and worldwide referral networks, the Multiple Listing Service, and the Internet. We advertise extensively in almost every media available including TV, which may bring in a call from the people who will buy your home. We work cooperatively with other brokers and share information about listings. Communication is the key to a real estates success. Agents use all of these tools to market their listings aggressively to get sales action!
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| Q |
Which home is #1 on the Top 10 list for most-visited Historic Home in the United States?
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| A |
Graceland, the palatial home of Elvis Presley in Memphis, TN, attracts 600,000 visitors a year. |
 See More Real Estate Trivia > |
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Geri Lawson, Realtor®
Geri Lawson
DRE# 01416969
PO Box 1141
Vista, CA 92085-1141
Cell: 760-801-3572
Fax: 760-598-1713
Email: GeriLawson@NUMBER1EXPERT.COM
My Guarantees To YOU!
I Guarantee You A Quick Response By Email When You Use My Web Site!
You want a fast response by email. You don't want to wait days to hear from me. I understand this. I try to answer every email from this site personally and ASAP. I pledge to you that I will answer your emails quickly. You will be pleased with how rapid my response is.
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I will not distribute your email address to others, unless you request this. I will only contact you by email. But, if you leave me your phone number I may call you and ask you if you have some questions. What I will do is respond to your emails quickly, answering your questions and offering information. If you sign up to receive my latest listings, I will periodically email you my very newest homes, as soon as they come on the market. If you sign up to receive my latest news, I will also periodically email you with the latest local and national real estate news. This is all offered to you for free, and without any obligation.
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Relax and use my site with confidence. Ask me questions. Sign up for my latest listings and latest news. All of our correspondence in no way obligates you. And it is totally free. Why would I offer this for FREE? It is part of my job as a top Realtor. I answer questions and offer help to homebuyers and sellers every day of the week. And I'm happy to do it! Whether it is my newsletter, the latest homes to come on the market, or any other information or answers that I prov
  
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