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

The Best Mortgage Calculators On the Web!

Please try my 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 Mt. Sterling, Winchester and Lexington, Kentucky

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Selling Your Home >Child Proof Before Showing

As you prepare your home for the market, keep in mind that some of the people who will look at your home may bring along small children. Families with children may be looking for a larger home with more bedrooms and a bigger yard.

Prospective buyers will be accompanied by a real estate agent while touring your home, but that doesn't guarantee that the children will be supervised the entire time they are in your home. Every real estate agent has a story of a little person grabbing a Steuben apple from a low shelf, or of a toddler running full speed to the edge of a high deck.

Preparing your home to show involves common sense, such as removing sharp or breakable objects from low shelves and making sure that electric appliances don't have dangling cords that little hands can reach. If there is a possibility of falling from a porch or deck, place a visible note advising parents to supervise small children. Some sellers keep a few toys around to entertain young house hunters while their parents are looking at the home.

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Q	Where would you go to enjoy a soak in the world's largest bathtub?
A	The Spa Resort Hawaiians in Fukushima, Japan, offers an outdoor soaking tub that occupies a total area of 10,760 square feet and can accommodate 1,500 persons at one time.
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Lacy C. Gay, REALTOR®, real estate agent and broker for Mt. Sterling, Winchester and LexingtonKentucky home listings, property and land for sale - NUMBER1EXPERT(tm)

The Sterling Team
Sterling Real Estate & Auction, LLC
223 Winsor Dr.
Mt. Sterling, KY 40353
Lacy: 859-585-1213
Billy: 859-497-1589
John: 859-749-2787
Office: 859-499-4342
Fax: 859-499-4335
Email: Lacy@LacyGay.com
Email: Billy@Sterlingrealestateandauction.com
Email: John@sterlingrealestateandauction.com
Buying or selling what probably is your biggest investment should not be a headache, so let us take the pain out of the whole process. We are always ready and willing to listen and be of service to you and your families needs. Let us help make a new beginning for you!

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