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Welcome > Resources > Mortgage Calculators > 15 vs. 30 Year Mortgages ...

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...

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.

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Buyers Remorse >What Can Go Wrong

Real estate transactions are very complex, and difficulties can arise. One common form of interference can come in the innocent guise of helpful advice from family and friends.

When you buy your first home, you want the best advice you can get. You want to show the house to friends and relatives before you commit. They will probably tell you about all of the things that went wrong during their own transactions so you can avoid the same mistakes. These people all have good intentions, but too much advice can put you into a state of high anxiety.

If you are buying your home with the help of a professional real estate agent, your agent will know how to make sure that any minor upsets do not turn into major problems. A real estate agent's expertise is based on formal training and experience in many real estate transactions. Their reputation is on the line with each sale, so they are highly motivated to make your purchase or sale go as smoothly as possible. When you are dealing with a professional real estate agent, you can worry about what might go wrong if you wish, but you don't have to!

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	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What is one of the most common ways for making the interior of a home more appealing to buyers?
A	Repainting walls with light, neutral colors makes it easier for a buyer to visualize how the home will look with their possessions.
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Russ Neumann, REALTOR®, real estate agent and broker for Ridgefield and Redding, Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Russ Neumann
Neumann Real Estate Ridgefield
395 Main Street
Ridgefield, CT. 06877
Office: 800-966-0455
Cell: 203-470-4243
Fax: 203-431-6998
Email: russneumann@NUMBER1EXPERT.com
When you are ready to make a move, the choice of the right real estate agent makes a huge difference. WIth unique versatility and true compassion, Russ Neumann has built his reputation on trust and integrity. He really cares about the people around him. Regardless of the challenge or need, Russ delivers. Anyone who has worked with him will proudly boast about his or her experience. His commitment to quality service continues to help his business grow, and always results in relationships that last a lifetime. All the right moves begin right here...Call Russ today, and enjoy the experience! Russ Neumann - "Don't Make a Move Without Him!"

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