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... 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.
Home Inspections >Walk Through Woes
Buyers can be a little cranky on closing day if things go wrong during the walk-through inspection. For example, the sellers' dependable old dishwasher might stop midway through its cycle and the bathroom sink might clog unexpectedly. These situations can create anxiety for the buyers and sellers, but such problems are quite common and usually simple to resolve.
Most purchase agreements require that the major mechanical systems and the appliances being conveyed are in working order at the time of the closing. Defects are often discovered during the structural inspection, allowing the sellers plenty of time to have the repairs made. Occasionally there are last-minute breakdowns or defects that are not spotted until the walk-through inspection. In that case, an agreement can be made with the sellers at the closing to escrow funds for the repair or replacement of the items in question.
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Jennifer Venable and Shauna White
Portland Home Experts - John L Scott
1800 NW 167 Place
Suite #100
Beaverton, OR 97006
Jennifer Office: 503-645-7433 ext, 245
Jennifer's Cell: 503-889-6472
Shauna's Cell : 503-380-0746
Fax: 503-645-3049
Jennifer E-mail: jenniferv@johnlscott.com
Shauna E-mail: Shaunaw@johnlscott.com
We can't wait to work with you! Whatever you need, we can help! Whether you're a first-time homebuyer or seasoned investor you will find your experience working with us a pleasure!
Are you moving from out of the area? Whatever we can do to to make your transition to the Portland area smoother, you let us know! We can do a ton to make your life easier!
New Construction? We have a wonderful builder who does amazing custom construction as you can see if you peruse through some of our listings.
Are you an Investor???? ....we have a unique niche in helping people who are credit challenged but mortgage capable to get into their first or sometimes subsequent home through a lease option program we specialize in.
Are you looking for a home with instant equity??? ...sometimes we can match you with one of our investors that purchase pre-foreclosure homes! They will sell to you at much better than market value. If you would like to know about these homes in advance please contact us.
We would love to work with you and help you attain your real estate dreams! Please send us an email or phone call, we look forward to meeting you!
Jennifer & Shauna  
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