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

 

The Best Mortgage Calculators On the Web! 

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.



Real Estate Tips
About Appraisals >Refinancing Your Home

Interest rates fluctuate as changes occur in the general economy. If you purchased your home when interest rates were higher, you may want to consider re-financing your loan at a lower rate.

You will have to apply for the new mortgage and have your current income eligibility assessed. Depending on how long you have had your present loan, a current appraisal may be required. There are closing costs, such as attorney, title fees, recording and notary fees, and appraisal charges. The biggest factor in your decision should be the length of time you plan to remain in your home. If you will be there for only a year or two more, it might not pay to re-finance. If you will be in your home longer, re-financing could provide you with lower mortgage payments. Your real estate agent can help you work out the numbers and can refer you to reputable home appraisers and mortgage lenders.

See All Tips In The "About Appraisals" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What famous American building was originally built in 1792, burned and rebuilt 1814-1818 and restored in 1952?

A 
The White House in Washington, D.C., modeled after an Irish palace, is a sumptuous example of post-colonial architecture.
See More Real Estate Trivia >


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Team Peroff, REALTOR®, real estate agents and broker for Keswick, Sutton and Georgina Ontario home listings, property and land for sale - NUMBER1EXPERT(tm)

Steve Peroff - Sales Representative
Keller Williams Realty Centres

21 Metro Rd. S.
Keswick L4P 1V7
Direct line: 905-476-3131
Toll Free: 1-877-895-5972
Direct Fax: 905-476-7242
Email: steve2@realestatekeswick.com

Steve is a full-time Real Estate professional and a full-time resident of Keswick. Born and raised in Toronto, he was educated at Ryerson Polytechnical Institute in Business Administration and for many years in the school of "hard knocks" in Toronto's theatre community. As a Theatre Administrator, Steve had the fortunate opportunity of working with many high profile companies, entertainers and related service industries. It is through these experiences that Steve has created a successful real estate business. He credits a strong organizational background, marketing and advertising acumen and strong interpersonal skills with helping him attain the stature of Georgina's #1 Sales Representative (Toronto Real Estate Board 2009 MLS statistics).

MLS REALTOR SRES


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