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GE Mortgage Insurance | Calculator
Loan amount (Present Value)
$
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$
(more consumer info)
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Mortgage payment calculator and loan information
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Tuesday, May 14, 2002
How much will my mortgage payment be?
Loan Information
Loan Amount
Interest Rate
Years
Property Information
Home Value
Annual Taxes
Annual Hazard Ins
Estimate Taxes and Insurance
Instructions
This simple calculator calculates your monthly payment based on your input.
Select the Taxes and Insurance box to estimate your impounds (taxes, insurance, mortgage insurance).
This calculator assumes conventional mortgage financing for calculating mortgage insurance.
Results
Monthly Principal & Interest:
$1,100.65
Monthly Real Estate Taxes:
$174.17
Monthly Hazard Insurance:
$82.33
Monthly Mortgage Insurance:
$0.00
Total Mortgage Payment:
$1,357.15
Down Payment Amount:
$40,000.00
Loan To Value Ratio:
78.95%
Additional Services
Secure Online Quick App
Prequalification Analysis
Current Interest Rates
The accuracy and applicability of this calculator is not guaranteed.
calculators reference resource center Should I refinance? Should I buy or rent? What can I afford? What's my payment? Debt consolidation? Amortization tables Search Live Interest Rates Zip Code Loan Amount Program Type 30 Year Fixed 30 Year Fixed 15 Year Fixed 5 Yr Balloon 7 Yr Balloon 1/1 ARM 3/1 ARM 5/1 ARM VA 30 Yr FHA 30 Yr FHA ARM B Credit - 30 Yr. Fixed C Credit - 30 Yr. Fixed D Credit - 30 Yr. Fixed Points/Credit Low Cost Low Fee No Points Pay 1 Pt Pay 2 Pts from hundreds of local companies and thousands of loan programs Real Estate Center Real Estate News Appraisal Network Credit Reporting Home Insurance City Reports Web Design | Advertising | Realtors | Broker Tools | Investors | Privacy Copyright 1997-2002 by LION, Inc. All Rights Reserved.
Results from search: http://www.life-line.org/life/ins_needs.html
life insurance
elcome
to the LIFE-Line Life Insurance Needs Calculator.
This following interactive program will provide a rough estimate of
your life insurance requirements.
So, how much life insurance do you need? Well, the answer isn't really
how much life insurance you need... it's how much investment capital your
family will need at the time of your death. Their need for capital --
on a gross basis -- is really a function of two variables:
1. How much will be needed at death to meet immediate obligations; and
2. How much future income is needed to sustain the household.
The first category is fairly easy to estimate. It's the sum of final
expenses (including uncovered medical costs, funeral expenses and final
estate-settlement costs) and other lump-sum obligations (such as outstanding
debts, mortgage balance, and college costs).
The second variable is a bit trickier. It involves calculating the "present
value" of future needed cash-flow streams. By answering a few simple questions
below, you can get a rough sense of the needs for capital that might exist
at your death.
A few tips:
Our analysis of your needs depends upon the answers you provide us to the
questions below. Please answer all questions. If you do not understand a
question, click on the highlighted term for more information and we'll explain
what we're driving at.
This calculator has provided a rough sense of your potential life insurance
needs. To the extent that you or your beneficiaries are eligible for Social
Security benefits, those benefits have not been included in this analysis.
Social Security benefits, if available, will somewhat reduce the need
for life insurance. For a more accurate and detailed analysis, contact
a professional life insurance agent.
Below, please estimate some of the lump-sum needs that would exist at
the time of your death.
Enter only numbers, no commas or dollar signs.
1. Final expenses:
2. Outstanding debts (other than your mortgage):
3. Outstanding mortgage:
4. College funding needs:
Estimate your family's income needs in case of your death:
1. Monthly amount you would need to provide to your surviving spouse:
2. How many years should income be provided?
3. What is your current investment capital (include
retirement plan assets)?
4. What is the value of the life insurance in force
on your life ?
Please note: The following assumptions are incorporated in the calculation.
You may enter your own data and override these assumptions to gain an
even more personalized analysis.
1. Estimated inflation rate:
%
2. After-tax investment yield:
%
Return to calculator input.
Final expenses: Typically the greater of $10,000 or 4% of your
estate. This would include uncovered medical costs, funeral expenses, and final estate settlement costs. Note: If your estate is over $600,000, your final expenses may be much higher due to federal and state estate or inheritance taxes.
College funding: Total projected college costs (tuition plus all
other costs such as room and board, books, etc.), less current funds in the child's
name.
Current investment capital : Includes savings,
investments, 401(k) and other retirement funds.
Life insurance in force : Includes
individual policies, group term coverage available through work, and any
other life insurance on your life payable to your family or for the benefit
of your family. Do not include accidental death insurance or "double indemnity"
insurance.
Results from search: http://www.bizmove.com/topics/mortgage.htm
Finding a Good Mortgage, Plus Mortgage Calculator
Mortgage Guide and Mortgage Calculator
Free
Mortgage Calculator
Obtain Mortgage Information
from Several Lenders
Obtain Mortgage Cost Information
Obtain the Best
Mortgage Deals
Mortgage
Glossary
Mortgage
Shopping Worksheet
Tips and strategies
to choosing a good mortgage (plus a free mortgage calculator)
Mortgage
Tips
And Strategies to Choosing a Good Mortgage
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Us
Need
a Mortgage? Here Are The Top Mortgage Resources
We reviewed
dozens of loan resources to bring you this short list of the
best lenders with online applications. In judging, we applied
four criteria: low rates, approval rate, ease of use and customer confidence.
1. PlanetLoan
2. LoanApp.com
3.
Quick Cash
3.
FinancialCircuit.com
Free
Mortgage Calculator
Click
Here! to download, with our compliments, a free mortgage
calculator software program. This useful mortgage calculator program
allows you to specify a loan amount, term, and rate and then displays a
grid that shows your calculated mortgage payment alongside other
mortgage payment amounts based on higher and lower interest rates and
amounts. You can click radio-button choices for rate and amount
increments, to narrow your field or widen it, and preview and print
the resulting table. Mortgage Calculator ( 427.28
KB - Windows)
is easy to use and an excellent reference point for seeing the effects
of differences in mortgage rates and amounts -- good for determining
what you can afford to buy or finance. Enjoy.
How To Find a Good
Mortgage
Shopping
around for a home loan or mortgage will help you to get the
best financing deal. A mortgage--whether it's a home
purchase, a refinancing, or a home equity loan--is a
product, just like a car, so the price and terms may be
negotiable. You'll want to compare all the costs involved
in obtaining a mortgage. Shopping, comparing, and
negotiating may save you thousands of dollars.
Obtain
Mortgage Information
from Several Lenders
Home loans are available from several types of
lenders--thrift
institutions, commercial banks, mortgage companies, and
credit unions. Different lenders may quote you different
prices, so you should contact several lenders to make sure
you're getting the best price. You can also get a home
loan through a mortgage broker . Brokers arrange
transactions rather than lending money directly; in other
words, they find a lender for you. A broker's access to
several lenders can mean a wider selection of loan products
and terms from which you can choose. Brokers will generally
contact several lenders regarding your application, but they
are not obligated to find the best deal for you unless they
have contracted with you to act as your agent.
Consequently, you should consider contacting more than one
broker, just as you should with banks or thrift
institutions.
Whether you are dealing with a lender or a mortgage
broker may not
always be clear. Some financial institutions operate as both
lenders and brokers. And most brokers' advertisements do
not use the word "broker." Therefore, be sure to
ask whether a broker is involved. This information is
important because brokers are usually paid a fee for their
services that may be separate from and in addition to the
lender's origination or other fees. A broker's
compensation may be in the form of "points" paid
at closing or as an add-on to your interest
rate, or both. You should ask each mortgage broker you work with
how he or she will be compensated so that you can compare
the different fees. Be prepared to negotiate with the
brokers as well as the lenders.
To
Mortgage calculator - Top
Obtain All Important
Mortgage Cost Information
Be sure to get information about
mortgages
from several lenders or brokers. Know how much of a down
payment you can afford, and find out all the costs involved
in the loan. Knowing just the amount of the monthly payment
or the interest rate is not enough. Ask for
information about the same loan amount, loan term, and type
of loan so that you can compare the information. The
following information is important to get from each lender
and broker:
Mortgage Rates
*
Ask each lender and broker for a list
of its current mortgage interest rates and whether
the rates being quoted are the lowest for that day
or week.
*
Ask whether the rate is
fixed
or adjustable.
Keep in mind that when mortgage interest rates for
adjustable-rate loans go up, generally so does the
monthly payment.
*
If the rate quoted is for an
adjustable-rate loan, ask how your mortgage rate and loan
payment will vary, including whether your loan
payment will be reduced when rates go down.
*
Ask about the loan's
annual
percentage rate (APR). The APR takes into
account not only the interest rate but also points,
broker fees, and certain other credit charges that
you may be required to pay, expressed as a yearly
rate.
Mortgage
Points
Points
are fees paid to the lender or broker for the mortgage loan and are
often linked to the interest rate; usually the more points
you pay, the lower the rate.
*
Check your local newspaper for
information about mortgage rates and points currently being
offered.
*
Ask for points to be quoted to you as
a dollar amount--rather than just as the number of
points--so that you will actually know how much you
will have to pay.
Mortgage
Fees
A home loan often involves many fees, such as loan
origination or underwriting fees, mortgage broker fees, and transaction,
settlement, and closing costs. Every lender or broker
should be able to give you an estimate of its fees. Many of
these fees are negotiable. Some fees are paid when you apply
for a loan (such as application and appraisal fees), and
others are paid at closing. In some cases, you can borrow
the money needed to pay these fees, but doing so will
increase your loan amount and total costs. "No
cost" loans are sometimes available, but they usually
involve higher rates.
*
Ask what each fee includes. Several
items may be lumped into one fee.
*
Ask for an explanation of any fee you
do not understand. Some common fees associated with
a home loan closing are listed on the Mortgage
Shopping Worksheet in this brochure.
Down Payments and Private
Mortgage Insurance
Some lenders require 20 percent of the home's purchase
price as a down payment. However, many lenders now offer
loans that require less than 20 percent down--sometimes as
little as 5 percent on conventional
loans. If a 20 percent down payment is not made, lenders
usually require the home buyer to purchase private
mortgage insurance (PMI) to protect the lender in case
the home buyer fails to pay. When government-assisted
programs such as FHA (Federal Housing Administration), VA
(Veterans Administration), or Rural Development Services are
available, the down payment requirements may be
substantially smaller.
*
Ask about the lender's requirements
for a down payment, including what you need to do to
verify that funds for your down payment are
available.
*
Ask your lender about special
programs it may offer.
If PMI is required for your loan,
Ask what the total cost of the
insurance will be.
Ask how much your monthly payment
will be when including the PMI premium.
Ask how long you will be required to
carry PMI.
To
Mortgage calculator - Top
Obtain the Best
Mortgage Deal
That You Can
Once you know what each lender has to offer,
negotiate for the best deal that you can. On any given day,
lenders and mortgage brokers may offer different prices for the same
loan terms to different consumers, even if those consumers
have the same loan qualifications. The most likely reason
for this difference in price is that loan officers and
brokers are often allowed to keep some or all of this
difference as extra compensation. Generally, the difference
between the lowest available price for a loan product and
any higher price that the borrower agrees to pay is an overage.
When overages occur, they are built into the prices quoted
to consumers. They can occur in both fixed and variable-rate
loans and can be in the form of points, fees, or the
interest rate. Whether quoted to you by a loan officer or a
broker, the price of any loan may contain overages.
Have the lender or broker write down all the costs
associated with the loan. Then ask if the lender or mortgage
broker
will waive or reduce one or more of its fees or agree to a
lower rate or fewer points. You'll want to make sure that
the lender or broker is not agreeing to lower one fee while
raising another or to lower the rate while raising points.
There's no harm in asking lenders or brokers if they can
give better terms than the original ones they quoted or than
those you have found elsewhere.
Once you are satisfied with the terms you have
negotiated, you may want to obtain a written lock-in
from the lender or broker. The lock-in should include the
rate that you have agreed upon, the period the lock-in
lasts, and the number of points to be paid. A fee may be
charged for locking in the loan rate. This fee may be
refundable at closing. Lock-ins can protect you from rate
increases while your loan is being processed; if rates fall,
however, you could end up with a less favorable rate. Should
that happen, try to negotiate a compromise with the lender
or broker.
To
Mortgage calculator - Top
Remember: Shop,
Compare, Negotiate
When buying a home, remember to shop around,
to compare costs and terms, and to negotiate for the best mortgage
deal. Your local newspaper and the Internet are good places
to start shopping for a loan. You can usually find
information both on interest rates and on points for several
lenders. Since rates and points can change daily, you'll
want to check your newspaper often when shopping for a home
loan. But the newspaper does not list the fees, so be sure
to ask the lenders about them.
The Mortgage Shopping Worksheet that follows may also
help you. Take it with you when you speak to each lender or
broker and write down the information you obtain. Don't be
afraid to make lenders and brokers compete with each other
for your business by letting them know that you are shopping
for the best deal.
To
Mortgage calculator - Top
Credit Problems?
Still Shop, Compare, and Negotiate
Don't assume that minor credit problems or
difficulties stemming from unique circumstances, such as
illness or temporary loss of income, will limit your loan
choices to only high-cost lenders. If your credit report
contains negative information that is accurate, but there
are good reasons for trusting you to repay a loan, be sure
to explain your situation to the lender or broker. If your
credit problems cannot be explained, you will probably have
to pay more than borrowers who have good credit histories.
But don't assume that the only way to get credit is to pay
a high price. Ask how your past credit history affects the
price of your loan and what you would need to do to get a
better price. Take the time to shop around and negotiate the
best deal that you can.
Whether you have credit problems or not, it's a good
idea to review your credit report for accuracy and
completeness before you apply for a loan. To order a copy of
your credit report, contact:
Equifax: (800) 685-1111
TransUnion: (800) 916-8800
Experian: (800) 682-7654
To
Mortgage calculator - Top
Mortgage
Glossary
Adjustable-rate
loans , also known as variable-rate loans, usually offer
a lower initial interest rate than fixed-rate loans. The
interest rate fluctuates over the life of the loan based on
market conditions, but the loan agreement generally sets
maximum and minimum rates. When interest rates rise,
generally so do your loan payments; and when interest rates
fall, your monthly payments may be lowered.
Annual percentage rate (APR)
is the cost of credit expressed as a yearly rate. The APR
includes the interest rate, points, broker fees, and certain
other credit charges that the borrower is required to pay.
Conventional loans are
mortgage loans other than those insured or guaranteed by a
government agency such as the FHA (Federal Housing
Administration), the VA (Veterans Administration), or the
Rural Development Services (formerly know as Farmers Home
Administration, or FmHA).
Escrow is the holding of
money or documents by a neutral third party prior to
closing. It can also be an account held by the lender (or
servicer) into which a homeowner pays money for taxes and
insurance.
Fixed-rate loans generally
have repayment terms of 15, 20, or 30 years. Both the
interest rate and the monthly payments (for principal and
interest) stay the same during the life of the loan.
The interest rate is the
cost of borrowing money expressed as a percentage rate.
Interest rates can change because of market conditions.
Loan origination fees are fees
charged by the lender for processing the loan and are often
expressed as a percentage of the loan amount.
Lock-in refers to a written
agreement guaranteeing a home buyer a specific interest rate
on a home loan provided that the loan is closed within a
certain period of time, such as 60 or 90 days. Often the
agreement also specifies the number of points to be paid at
closing.
A mortgage is a document
signed by a borrower when a home loan is made that gives the
lender a right to take possession of the property if the
borrower fails to pay off the loan.
Overages are the difference
between the lowest available price and any higher price that
the home buyer agrees to pay for the loan. Loan officers and
brokers are often allowed to keep some or all of this
difference as extra compensation.
Points are fees paid to the
lender for the loan. One point equals 1 percent of the loan
amount. Points are usually paid in cash at closing. In some
cases, the money needed to pay points can be borrowed, but
doing so will increase the loan amount and the total costs.
Private mortgage insurance (PMI)
protects the lender against a loss if a borrower defaults on
the loan. It is usually required for loans in which the down
payment is less than 20 percent of the sales price or, in a
refinancing, when the amount financed is greater than 80
percent of the appraised value.
Thrift institution is a
general term for savings banks and savings and loan
associations.
Transaction, settlement, or
closing costs may include application fees; title
examination, abstract of title, title insurance, and
property survey fees; fees for preparing deeds, mortgages,
and settlement documents; attorneys' fees; recording fees;
and notary, appraisal, and credit report fees. Under the
Real Estate Settlement Procedures Act, the borrower receives
a good faith estimate of closing costs at the time of
application or within three days of application. The good
faith estimate lists each expected cost either as an amount
or a range.
To
Mortgage calculator - Top
Mortgage
Shopping Worksheet
Lender
1
Lender
2
Name of Lender:
Name of Contact:
Date of Contact:
Mortgage Amount:
mortgage 1
mortgage 2
mortgage 1
mortgage 2
Basic Information on the Loans
Type of Mortgage: fixed rate, adjustable rate, conventional,
FHA, other? If adjustable, see below
Minimum down payment required
Loan term (length of loan)
Contract interest rate
Annual percentage rate (APR)
Points (may be called loan discount points)
Monthly Private Mortgage Insurance
(PMI) premiums
How long must you keep PMI?
Estimated monthly escrow for taxes and hazard insurance
Estimated monthly payment (Principal, Interest, Taxes,
Insurance, PMI)
Fees
Different institutions may have different names for some
fees and may charge different fees. We have listed some
typical fees you may see on loan documents.
Application fee or Loan processing fee
Origination fee or Underwriting fee
Lender fee or Funding fee
Appraisal fee
Attorney fees
Document preparation and recording fees
Broker fees (may be quoted as points, origination fees, or
interest rate add-on)
Credit report fee
Other fees
Other Costs at Closing/Settlement
Title search/Title insurance
For lender
For you
Estimated prepaid amounts for interest, taxes, hazard
insurance, payments to escrow
State and local taxes, stamp taxes, transfer taxes
Flood determination
Prepaid Private Mortgage Insurance
(PMI)
Surveys and home inspections
Total Fees and Other Closing/Settlement Cost Estimates
Lender
1
Lender
2
Name of Lender:
mortgage 1
mortgage 2
mortgage 1
mortgage 2
Other Questions and
Considerations about the Loan
Are any of the fees or costs waivable?
Prepayment penalties
Is there a prepayment penalty?
If so, how much is it?
How long does the penalty period last? (for example, 3
years? 5 years?)
Are extra principal payments allowed?
Lock-ins
Is the lock-in agreement in writing?
Is there a fee to lock-in?
When does the lock-in occur-at application, approval, or
another time?
How long will the lock-in last?
If the rate drops before closing, can you lock-in at a
lower rate?
If the loan is an adjustable rate
mortgage:
What is the initial rate?
What is the maximum the rate could be next year?
What are the rate and payment caps each year and over the
life of the loan?
What is the frequency of rate change and of any changes to
the monthly payment?
What is the index that the lender will use?
What margin will the lender add to the index?
Credit life insurance
Does the monthly amount quoted to you include a charge for
credit life insurance?
If so, does the lender require credit life insurance as a
condition of the loan?
How much does the credit life insurance cost?
How much lower would your monthly payment be without the
credit life insurance?
If the lender does not require credit life insurance, and
you still want to buy it, what rates can you get from other
insurance providers?
To
Mortgage calculator - Top
Write to us
with your
comments, suggestions or questions.
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Personal Finance : Real Estate : Buying : Mortgage Calculator
Real Estate
Mortgage Calculator
THIS CALCULATOR IS DESIGNED to do three things: 1) Calculate a simple monthly payment 2) Figure the effects of prepaying your mortgage and 3) Analyze the composition of your monthly payments in the future. The latter is particularly helpful in projecting your mortgage-interest tax write-off in future years. The graph will show you either how your equity builds over time or how interest declines as a percentage of your monthly payment.
Home Buying Worksheet
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In This Section
· A Home-Buying Primer
· Buying a Home Online
· Condo Issues
· Moving
· What Kind of Loan Should You Get?
· Writing Off Moving Expenses
Worksheets
· How Much House Can You Afford?
· To Rent or to Buy?
· The Mortgage Calculator
· Points or No Points?
· Fixed Rate or Adjustable?
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How can I reduce mortgage insurance costs?
Term in Years
Interest Rate
%
Discount Points
%
Origination Fee
%
Other Loan Costs
$
Your State + Federal Tax Rate
%
Appraised Value
$
Yearly Property Taxes
$
Yearly Homeowner's Insurance
$
Years Before You Sell/Pay Off Loan
Press to see your results
Version 5.7
The accuracy of this calculator and its applicability to your circumstances is not guaranteed. You should obtain personal advice from qualified professionals.
©1995-2001, FinanCenter.com
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