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Looking for the right Atlanta agent? All agents are NOT alike! Find out why I am a top Atlanta real estate expert. Call Pamela:4044299244

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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 Atlanta Metro, Sandy Springs and Dunwoody, Georgia
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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The Heritage Foundation

Georgia Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Atlanta Metro, Sandy Springs and Dunwoody 



Real Estate Tips
Agency >Buyer Agency

In the history of the real estate industry, there has been a single approach to working with a real estate agent. If you wanted to purchase a home, an agent showed you properties on behalf of the sellers of those homes. As a buyer, you were not represented by anyone other than yourself. Negotiation over price and terms were entirely your responsibility.

Now there is another way to handle buying property. With buyer agency, your real estate sales associate acts on your behalf in all negotiations. That agent is committed to being your advocate in finding and purchasing your next home, and at no cost to you.

In many cities across the United States, buyer agency is used in the majority of home purchases. With buyer agency, all fiduciary duties are owed to the buyer, not to the seller. The buyer has the freedom to discuss personal finances, negotiating strategies and the value of properties with their buyer agent. The buyer can ask for the opinion of the buyer agent regarding the condition of the property, the effect of improvements, the seller's motivation for selling and a variety of other information thar the seller's agent cannot provide.

See All Tips In The "Agency" Category >
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Real Estate Trivia
Q 
What oceanfront area is currently the most popular choice among people searching for second homes and vacation homes?

A 
According to statistic published early in 2005, the Florida coast is the most sought-after vacation and retirement destination in the United States.
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Pamela Holmes Team, REALTOR®, real estate agents and broker for Atlanta Metro, Sandy Springs and Dunwoody, Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

Pamela Holmes
ReMax of Buckhead at Brookhaven

4246 Peachtree Road
Atlanta, GA 30319
Phone: 404-429-9244
eFax: 770-200-1607
Email: pamelaholmes@NUMBER1EXPERT.com

Congratulations on your choice to relocate in or to the Atlanta, Georgia area. Our goal is to exceed your expectations. Our customers are everything to us. Please let us know how we can assist you in your transition.

At ReMax of Buckhead at Brookhaven, we are not happy until you are! Welcome to Atlanta!

Sincerely,

Pamela M. Holmes


ReMax of Buckhead at Brookhaven

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