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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. Each financial calculator also includes a View Report option. The mortgage repayment schedule and other reports are fully customizable. These reports are designed for you to print out and keep...

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.

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First Time Buyers >Preferences of Buyers

Although every purchase of a home involves a degree of compromise, the process begins with the buyer's preferences. When you are working with a real estate agent, it is important that you give your agent a clear idea which of your criteria are flexible and which items you really must have in your new home. If you prefer a specific location, for example, discuss why you want to live in that neighborhood. The agent might be able to suggest alternatives areas which offer the same amenities or convenience to your office. How important is size? Do you really need four bedrooms or would three bedrooms work, if there is a den for your home office? How much are you willing to correct with redecorating or remodeling? Are you willing to expand your price range by using an adjustable rate mortgage to increase your buying power?

The agent will ask you a lot of questions so that they can use your time most efficiently by showing you houses that meet your criterion as a buyer.

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Q	What is a Buyer Broker?
A	A buyer broker represents buyers, helping them to find the best property and negotiate the best purchase price and terms.
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Cori Blount, REALTOR®, real estate agent and broker for Temecula and Murrieta, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Cori Blount
Real Estate Express Services
34119 Keller Court
Winchester
CA 92596
Main Ofice: 951-200-0248
Assistant: 951-200-0248
Cell: 951-317-5151
Fax: 951-329-3361
Email: CoriBlount@NUMBER1EXPERT.com
Cori Blount is the broker /owner of Real Estate Express Services with 18 years of personal sales experience as well as an independent Broker. Having represented a national builder, and having held position as vice president of operations with a national franchise, it is my pleasure to represent both buyers and sellers in the exciting field of real estate here in Southwest Riverside County. With a vast knowledge in all aspects of residential real estate necessary to make YOUR experience successful and equitable it will be my pleasure to be of service to you .

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