Mt. Sterling, Winchester and Lexington real estate and homes for sale in Kentucky - Lacy C. Gay, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo

Contact Information
Email Lacy C. Gay
Login
Go To Sitemap
Lacy C. Gay
Feature Properties

Whether It Be a Farm or a Home We've Got You Covered! Call Us and Let Us Help You Today! 859-499-4342.

Special Offers
Sign Up For My eNewsletter, FREE!
There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
Find Out More >
View All Offers >

Testimonials
"Lacy was a great agent and a huge help"
Read Quote >
View All Quotes >

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

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Lacy C. Gay is one of The Top Selling Real Estate Experts™
Find Out More >


School Reports
See the nation's top rated reports for Schools in Mt. Sterling, Winchester and Lexington >


Latest Listings
Get the Latest Listings Before Anyone Else!
As soon as I list another home for sale, I'll email you. You'll know first.
Name:
Email:
Affiliates
Whitaker Bank
A Susidiarty of Whitaker Bank Corporation
Find Out More >
View All Affiliates >

Latest News
Get the Latest Real Estate News, Hot Off the Presses!
If you are buying or selling a home, you need my eNewsletter.
Name:
Email:
Mortgage Calculators
Welcome > Resources > Mortgage Calculators > Monthly Payments & Schedule ...

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... 

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 Mt. Sterling, Winchester and Lexington, Kentucky
"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

Kentucky Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Mt. Sterling, Winchester and Lexington 



Real Estate Tips
Selling Your Home >Your Selling Strategy

Have your housing needs expanded along with your income? Are you are thinking about selling your property and looking for a new home? The transition can be accomplished smoothly by using a systematic approach.

As part of your selling strategy, it is advantageous to have your present house under contract before you begin a serious search for a new home. This will make you attractive to sellers in two ways. You won't have to include a contingency in your offer to cover the sale of your present home. You will strengthen your negotiating position by improving your financial circumstance with an accepted offer. In a situation where there are multiple offers on the new home, the chances of your offer being accepted are better if it isn't dependent on selling another house before you can make a move.

See All Tips In The "Selling Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What real estate board game became the best-selling game in America just one year after it was created?

A 
Charles B. Darrow invented Monopoly in 1934, to cheer himself up while unemployed during the Great Depression. Monopoly is now the most popular board game in the world and has sold over 200 million copies.
See More Real Estate Trivia >


Print This Page Send To A Friend


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

420 W. Main St.
Mt. Sterling, KY 40353
Lacy: 859-585-1213
Billy: 859-497-1589
John: 859-749-2787
Office: 859-499-4342
Fax: 859-499-4359
Email: Lacy@LacyGay.com
Email: Billybromagen@yahoo.com
Email: jhfarmsandhomes@gmail.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!

Equal Housing MLS REALTOR


www.LacyGay.com is brought to you by Lacy C. Gay
NUMBER1EXPERT™ in real estate for Mt. Sterling, Winchester and Lexington, Kentucky

Read Lacy C. Gay's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge



USA and Canada Real Estate - NUMBER1EXPERT
NUMBER1EXPERT®
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.

www.LacyGay.com is brought to you by Lacy C. Gay