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.
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.
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Making An Offer >Keeping Your Earnest Money Safe
When you make an offer on a house, it is accompanied by an earnest money check. Earnest money is intended to demonstrate that you are "in earnest" about purchasing the property. The earnest money check is made out to the listing company. What happens to this check?
The party holding the check acts as an escrow agent until you go into closing. At that time you will receive credit for the amount of your check against the down payment and closing costs. Real estate brokers are required by law to keep escrow funds in a special account. These funds cannot be used to pay any other expenses associated with the sale. If you don't complete the transaction, the purchase contract determines the disposition of your earnest money funds. Be sure to review this part of your contract with the real estate agent.
If you are in default on your agreement, the funds may go to the sellers, so be sure that you understand the deadlines in order to avoid breach of contract and forfeiture of your deposit. If you have any questions, be sure to ask your real estate agent for advice.
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| Q |
What acclaimed house built of stone, concrete, and glass is built over a waterfall?
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| A |
Fallingwater in Mill Run, PA, built by architect Frank Lloyd Wright, is one of the most-visited homes in the U.S.
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 See More Real Estate Trivia > |
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Valerie Bertsch
Prudential Fox and Roach Realtors
352 Stokes Road, Suite 1
Medford, NJ 08055
(609) 654-1888 ext. 123
Fax: (609) 953-1714
valeriebertsch@NUMBER1EXPERT.com
Selling or buying a home is one of the biggest decisions of your life. And it is not an easy one. Selling or buying a home can be a complicated and involved process. That is why the right real estate agent can make all the difference. You need an agent who will be there for you. An agent who knows real estate inside and out. An agent who will get the results you're looking for.
Introducing Valerie Bertsch. The right agent.
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.
As her resume highlights, Valerie has won many awards for her distinctive work with home buyers and sellers like you. Valerie is also a Certified Residential Specialist (CRS) earned by only 5% of the nation’s Realtors, a Graduate Real Estate Institute (GRI), a Fine Homes Specialist, E-Certified, a Certified Corporate and Relocation Specialist, and an active member of the National Association of REALTORS®. But ultimately, as a real estate professional, Valerie wouldn't have all these great titles and awards if it wasn't for one thing. Results. Valerie knows how to get them. And as your agent, she will get them for you. In addition to helping people move around town, Valerie is also an expert in helping people move to town. As an experienced relocation expert and a familiar name in the industry, Valerie puts into effect her comprehensive knowledge of the South Jersey area, its neighborhoods and its people. She knows the market, she knows value and she knows homes.
In addition to Valerie's individual success, she is backed by the Tri-State area’s premier broker, Prudential Fox & Roach Realtors--an industry leader, woven into the fabric of our communities since 1886. Valerie also has a team of real estate professionals working with her to make sure her clients' needs are always being met--and usually exceeded. Valerie and her team are totally committed to helping buyers and sellers. Seven days a week - even 24 hours a day, if necessary. Whatever it takes to bring a buyer and seller together.   
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NUMBER1EXPERT™ in real estate for
Medford, Marlton and Medford Lakes, New Jersey Read Valeris Bertsch's
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