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

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...

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.

School Reports in Lynchburg, Forest and Bedford County, Virginia

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Schools in Lynchburg, Forest and Bedford County

Curb Appeal >First Impressions

Good curb appeal is a major plus when it comes to marketing a home. A little bit of work on the front of your home can pay big dividends.

When a potential buyer pulls up in front of your house, their first impression is absolutely crucial. Sometimes buyers won't even look at a home with droopy shutters, sagging gutters, peeling paint and a bumper crop of dandelions in the front yard. Or they might go in expecting to find a "fixer-upper" that could be purchased at a bargain price. If a house looks neat and cared for from the street, the initial good impression will carry over as the buyers step inside. It is not necessary to hire a professional landscaper, but listen to your real estate agent's suggestions when you list your home. Local nurseries can help you select blooming plants that will thrive in your area. Keep the lawn mowed, and regardless of the season, take care of exterior maintenance. Strong curb appeal will help your home sell more quickly and for top dollar.

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Q	What is currently the most sought-after amenity in the majority of upscale homes?
A	Technology that "enables" a home with features such as structured integrated wiring and broadband Internet access is the current amenity of choice.
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Dee, Cowles, and Pam, REALTOR®, real estate agents and broker for Lynchburg, Forest and Bedford County, Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Dee, Cowles & Pam - Your Real Estate Team
Coldwell Banker Forehand
2508 Langhorne Road
Lynchburg, VA. 24501
Toll Free: 800-317-5903
Dee: 434-841-8757
Cowles: 434-841-8333
Pam: 434-665-1740
Fax: 434-384-0525
Email: DeeCowlesandPam@Lynchburg-Homes.com
As America's NUMBER1EXPERTS [TM] in the Lynchburg area, Dee, Cowles, and Pam - Your Real Estate Team's business philosophy is based on uncompromising integrity. They are committed to doing things the right way and are well equipped to guide you through all of your real estate needs - whether buying or selling. Make your move with Dee, Cowles and Pam - Your Real Estate Team. Call or email them today!
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