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All agents are NOT alike! Find out why we're top Folsom, Granite Bay, El Dorado Hills, and surrounding area real estate experts. Call: 916-248-7777.

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Mortgage Calculators
Welcome > Resources > Mortgage Calculators > Buying Points ...

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... Take it along as you tour the homes you have selected in Folsom, Orangevale, El Dorado Hills, Granite Bay and our beautiful surrounding areas! 

 

Will Buying Points Save You Money?

Should you buy points? Buying points when you close your mortgage can reduce its interest rate, which in turn reduces your monthly payment. But each "point" will cost you 1% of your mortgage balance. This calculator helps you determine if you should pay for points, or use the money to increase your down payment. Click on the "View Report" button to review your information.

This Financial Calculator requires a Browser with Java Support



Definitions

Term
Number of years for this mortgage. Most common terms are 15 years and 30 years.

Mortgage amount
Total balance for your mortgage.

Interest rate
Annual interest rate for this mortgage without purchasing any discount points.

Years in home
The number of years you expect to live in this home or the number of years before you refinance your mortgage.

Principal and interest
Monthly principal and interest (PI) for this mortgage.

Points rate
Annual interest rate for this mortgage with discount points.

Points
The number of discount points you need to receive the lower rate. Each point costs 1% of your mortgage amount.

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.



School Reports in Folsom, Granite Bay and El Dorado Hills, California
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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California Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Folsom, Granite Bay and El Dorado Hills 



Real Estate Tips
Financing Your Home >Home Buyers Education

As the number of mortgage lenders increases, competition forces lenders to get more creative in finding ways to lend people money. This often takes the form of giving homebuyers a "break" in the down payment. The downside of this approach is that statistically, the smaller the down payment, the more likely the borrower will default. Lenders have put together an education program to prevent delinquencies, which fills a much-needed gap in the increasingly complex world of home finance.

Home buyer education classes focus on a variety of money management topics, including all the costs connected with obtaining and owning a home. One lender got together with FANNIE MAE (a government-sponsored loan guarantor) to launch a 3 percent down payment loan which requires participation in this education course. Other lenders have shown a decline in the default rate with five percent loans that are associated with similar education courses.

See All Tips In The "Financing Your Home" Category >
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Real Estate Trivia
Q 
Where is the world's largest bridge located?

A 
Lake Pontchartrain Causeway at New Orleans, Louisiana is the world's largest bridge. It is almost 24 miles long.
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Forth Hoyt CRS, RDCPro, Sres, e-PRO, REALTOR®, real estate agents and broker for Folsom, Granite Bay and El Dorado Hills, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Forth Hoyt CRS, RDCPro, Sres, e-PRO
Keller Williams

2600 East Bidwell Street, Suite 150
Folsom, CA. 95630
Phone: 916-248-7777
Fax: 916-248-7877
Email: TheHoytGroup@Number1Expert.com

Our Mission Statement: We Care... About our clients; their dreams, their goals, their needs... About everyone involved in every transaction... My team works constantly to improve our systems and services; WE DO IT RIGHT!! Going well beyond the standard level of service provided by most agents, we are continuously changing, growing and updating in our pursuit of excellence; we remain focused on education, training and renewing our commitments to quality. We strive to provide the best service,the best advertising, the best, most up-to-date exposure techniques, most in-depth market knowledge and the best Real Estate advice around...Period! As we guide you through the real estate process, we'll get you the best deal in the least amount of time, with the fewest hassles, and we'll have fun doing it! We'll provide a level of service that makes it very easy for you to refer your friends and family to us!

CRSeProSRES




Keller Williams

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