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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 Stonington, Mystic and Groton, Connecticut

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Connecticut Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Stonington, Mystic and Groton

Selling Your Home >Deal with the Defects

If you are selling a home, the buyers will probably include a home inspection clause in the offer. This will allow them to hire an expert to make sure that the house is structurally sound and all the systems are working properly.

The time to get ready for the home inspection is before you sell your house! Owners usually know about most of the defects in their house, such as plumbing or electrical problems or leaks that occur when it rains. When you decide to put your home on the market, you should repair any defects immediately. Most purchase agreements require sellers to convey the property with all systems and appliances in working order. You won't save money by delaying repairs, and buyers may be frightened away by an inspection report that contains a long list of needed repairs.

Eliminating maintenance as a potential issue in the sale can help you ensure that the transaction goes as smoothly as possible. This is especially important when there is active construction of brand-new homes in the area.

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Q	To what process do the terms closing, escrow, settlement and passing papers refer?
A	These terms, which vary in different parts of the country, describe the conclusion of a real estate sale.
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Donna Sormanti-Saglio and Dean Saglio, REALTOR®, real estate agents and broker for Stonington, Mystic and Groton, Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

The Donna and Dean Real Estate Team
RE/MAX Coast and Country
530 Stonington Rd. Suite 101
Stonington, CT. 06378
Phone: 860-535-9009
Fax: 860-535-9229
Toll Free: 1-877-8REMAX9
Mobile (Donna): 401-559-3314
Mobile (Dean): 401-559-3313
Email: info@CoastandCountryDreamHomes.com
Make the Donna and Dean Real Estate Team your team for Success! Being a REALTOR® means more than selling homes. It's about people, families, and their hopes and dreams. It's about a relationship based on trust, knowledge and expertise. Our clients can be assured that we will always go that extra mile to make their experience the best they have ever had when buying or selling a home."

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