Santa Cruz, Capitola and Aptos real estate and homes for sale in California, Ocean View Properties, Beach Front Properties - The Sandy Team, REALTORS® REALTOR® Logo - NUMBER1EXPERTS™ NUMBER1EXPERT™ Logo
SandyTeam.com
Contact Information
Email The Sandy Team
Login
Go To Sitemap
The Sandy Team
Feature Properties


All agents are NOT alike! Find out why we are top real estate experts. Call us: 831-471-8000.

Special Offers
Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
Find Out More >
View All Offers >

Testimonials
"An exciting real estate adventure"
The Sandy Team coordinated a quick sale and a complicated purchase with style and aplomb!
Cecily, Polly, and Cedric
Read Quote >
View All Quotes >

TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
The Sandy Team are some of The Top Selling Real Estate Experts™
Find Out More >


School Reports
See the nation's top rated reports for Schools in Santa Cruz, Capitola and Aptos >


Latest Listings
Get the Latest Listings Before Anyone Else!
As soon as we list another home for sale, we'll email you. You'll know first.
Name:
Email:
Affiliates
Coming Soon
Find Out More >

Latest News
Get the Latest Real Estate News, Hot Off the Presses!
If you are buying or selling a home, you need our eNewsletter.
Name:
Email:
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... 

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 Santa Cruz, Capitola and Aptos, California
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

California Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Santa Cruz, Capitola and Aptos 



Real Estate Tips
Working With An Agent >Consult the Real Experts

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 experts all have good intentions, but so much advice can put you into a state of high anxiety.

Real estate transactions are very complex, and difficulties can arise. 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!

See All Tips In The "Working With An Agent" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What land did the U.S. Government buy for $7.2 million?

A 
In March 1867, the US bought all of Russian America (Alaska) from Russia.
See More Real Estate Trivia >


Print This Page Send To A Friend


The Sandy Team, REALTOR®, real estate agents and broker for Santa Cruz, Capitola and Aptos California home listings, property and land for sale - NUMBER1EXPERT(tm)

The Sandy Team
Santa Cruz Properties

Hello and welcome. We're Sandy Kaplan & Sandy Mason, licensed Realtor® and Broker respectively. We're here to give you honest, friendly, focused, Santa Cruz real estate service. We specialize in residential sales, relocation, beach and mountain properties in beautiful Santa Cruz County and are a local, women-owned business. Sandy Kaplan is currently the President of The Santa Cruz Association of Realtors®. Sandy Mason received "Realtor® of the Year 2004" award from the Santa Cruz Chapter of the Women's Council of Realtors® in December. The difference (really) is...The Sandy Team!


Santa Cruz Properties


www.SandyTeam.com is brought to you by The Sandy Team
NUMBER1EXPERTS™ in real estate for Santa Cruz, Capitola and Aptos, California, Ocean View Properties, Beach Front Properties

Read The Sandy Team's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge



USA and Canada Real Estate - NUMBER1EXPERT
NUMBER1EXPERT™
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.

www.SandyTeam.com is brought to you by The Sandy Team