Medford, Marlton and Medford Lakes real estate and homes for sale in New Jersey - Valerie Bertsch, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
Contact Information
Email Valerie Bertsch
Login
Go To Sitemap
Valerie Bertsch

Feature Properties
Feature
Properties




All agents are NOT alike! Find out why I am a top real estate expert. Call me directly at 609-714-3223.


Special Offers
Get Free Presentation On My Home Marketing.
Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed.
Find Out More >
View All Offers >

Testimonials
"Extraordinary"
The Quadrio's
Read Quote >
View All Quotes >

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

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Valerie Bertsch is one of The Top Selling Real Estate Experts™
Find Out More >


School Reports
See the nation's top rated reports for Schools in Medford, Marlton and Medford Lakes >


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
Prudential Fox & Roach Realtors
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 > Buying Points ...

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... 

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 Medford, Marlton and Medford Lakes, New Jersey
"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

New Jersey Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Medford, Marlton and Medford Lakes 



Real Estate Tips
Real Estate Contracts >Deadlines

Both buyer and seller should be aware of all of the deadlines in their purchase agreement. Each contract is different, but there are usually time limits covering the structural contingency, the financing application, the loan commitment, and the closing.

If you are a careless buyer, you could lose your right to ask a seller to pay for needed repairs. There may be a limit on the time the seller has to respond to the buyer's request to complete repairs that are not required by the contract. Failure to apply for your mortgage on time may place your deposit at risk if the loan is denied. In many cases, the agreement can be declared null and void by the seller if financing is not approved within the time frame set forth in the contract. A delayed closing can cost the sellers money, and they may ask the buyer to reimburse these expenses.

Work closely with your real estate agent to ensure that all of your transaction deadlines are met.      

See All Tips In The "Real Estate Contracts" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What famous writer's home is Rowan Oak?

A 
Rowan Oak in Oxford, Mississippi, was the home of William Faulkner from 1930 until his death in 1962.
See More Real Estate Trivia >


Print This Page Send To A Friend


Valerie Bertsch, REALTOR®, real estate agent and broker for Medford, Marlton and Medford Lakes New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Valerie Bertsch
Prudential Fox and Roach Realtors

352 Stokes Road, Suite 1
Medford, NJ 08055
(609) 654-1888 ext. 123
Direct: (609) 714-3223
Fax: (609) 257-0035
valeriebertsch@NUMBER1EXPERT.com

Valerie Bertsch is the #1 agent at the Medford Home Marketing Center. She has had over 500 real estate transactions in all price ranges. But most importantly, Valerie is committed to her clients. She represents them until she gets the results they want. And with Valerie, that tends to happen sooner than later. She works hard for her clients, always keeping their best interests at heart. As an experienced negotiator, Valerie knows how to get the results her clients want. Valerie Bertsch is the right agent. And the right agent makes all the difference.

Valerie is a native of South Jersey who knows the Medford area and its neighborhoods as well as anyone. After being in the real estate industry for over a decade, she has been awarded the New Jersey Association of Realtors Gold Award for 2001, 2003 & 2004, the New Jersey Association of Realtors Distinguished Sales Club Award, and Top Producer of the Medford Home Marketing Office for 2003, 2004, 2005, 2006, 2007 & 2008.

CRS CRS Equal Housing MLS REALTOR


www.ValBSellsHomes.com is brought to you by Valerie Bertsch
NUMBER1EXPERT™ in real estate for Medford, Marlton and Medford Lakes, New Jersey

Read Valeris Bertsch'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.ValBSellsHomes.com is brought to you by Valerie Bertsch