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

Real Estate - Homes - NUMBER1EXPERTS Sell More!
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Mortgage Calculators
Welcome > Resources > Mortgage Calculators > Monthly Payments & Schedule ...

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... 

Monthly Payments & Schedule

Use this calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay and your principal balances. You can even determine the impact of any principal prepayments! Press the "View Report" button for a full yearly or monthly amortization schedule.

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 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.

Prepayment type
The frequency of prepayment. The options are: none, monthly, yearly, and one-time payment.

Prepayment amount
Amount that will be prepaid on your mortgage. This amount will be applied to the mortgage principal balance, based on the prepayment type.

Start with payment
This is the payment number that you prepayments will begin with. For a one time payment, this is the payment number that the single prepayment will be included in. All prepayments of principal are assumed to be received by your lender in time to be included in the following month's interest calculation. If you choose to prepay with a one-time payment for payment number ZERO, the prepayment is assume to happen before the first payment of the loan.

Savings
Total amount of interest you will save by prepaying your mortgage.

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
Real Estate Contracts >Sales Contracts

The purchase or sale of a home is one of the most complicated business transactions most people will be involved in during their lifetime. Whether the print is large or small, there is a lot of it! The purchase agreement covers not only the price of the property, but has many paragraphs governing the terms under which it will be conveyed to the new owners.

When you list your home for sale or when you begin your search for a new home, ask your real estate agent for a copy of the standard sales agreement. Familiarize yourself with the document ahead of time, and make certain you understand the responsibilities of both parties between the initial meeting of the minds and the closing date. You should be aware of all of the deadlines in the purchase agreement. Each contract is different, but there are usually time limits covering the structural contingency, the financing application, the loan commitment, and the closing.

You greatly increase the chances of a smooth transaction by being fully informed about the sales contract.

See All Tips In The "Real Estate Contracts" Category >
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Real Estate Trivia
Q 
What is the average age range of a second-home buyer in the United States?

A 
Currently, second-home buyers in America are most often between 41 and 44 years of age.
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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

100 Doyle Street, Ste H
Santa Cruz, CA 95062
sandyteam@santacruzproperties.com

Sandy Mason - DRE #00761938
Sandy Kaplan - DRE #00921329

We (Sandy Kaplan and Sandy Mason) have been working as a team since 1992. One of us is a morning person, one a night person; between us, we keep your real estate goals on track. Our way of working is... "Tell us your goals, they're our goals too." We are dedicated to continuing education for ourselves and we enjoy educating you about the current real estate market, trends and the Santa Cruz Community. We have been selling real estate in Santa Cruz County for 25 and 30 years and love to use our experience to your benefit. Sandy Kaplan was president of the Santa Cruz Association of Realtors in 2005 and continues to stay involved in local, state and national real estate organizations. She is dedicated to serving our real estate industry. Sandy Mason is a naturalist and if you are looking for rural property, she loves to drive the winding mountains roads in her all wheel drive vehicle with you to find your dream hide-a-way.

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Santa Cruz Properties

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