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All agents are NOT alike! Find out why I am a top real estate expert. Call Jeana Cowie today Cell# 201-982-2200, Off# 201-599-1100 ext. 348.

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Testimonials
"You really went Above & Beyond"
"We can't thank you enough for all your help. You really went above & beyond to close this deal. We appreciate all your help".
The Craigs, Maywood, NJ
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TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Jeana Cowie is one of The Top Selling Real Estate Experts™
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School Reports
See the nation's top rated reports for Schools in Paramus, Oradell and Ridgewood >


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Mortgage Calculators
Welcome > Resources > Mortgage Calculators > Monthly Payments & Schedule ...

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... 

Monthly Payments & Schedule

Use this calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay and your principal balances. You can even determine the impact of any principal prepayments! Press the "View Report" button for a full yearly or monthly amortization schedule.

This Financial Calculator requires a Browser with Java Support


Definitions

Mortgage amount
Original or expected balance for your mortgage.

Interest rate
Annual interest rate for this mortgage.

Term in years
The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.

Monthly payment
Monthly principal and interest payment (PI).

Total payments
Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.

Total interest
Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.

Prepayment type
The frequency of prepayment. The options are: none, monthly, yearly, and one-time payment.

Prepayment amount
Amount that will be prepaid on your mortgage. This amount will be applied to the mortgage principal balance, based on the prepayment type.

Start with payment
This is the payment number that you prepayments will begin with. For a one time payment, this is the payment number that the single prepayment will be included in. All prepayments of principal are assumed to be received by your lender in time to be included in the following month's interest calculation. If you choose to prepay with a one-time payment for payment number ZERO, the prepayment is assume to happen before the first payment of the loan.

Savings
Total amount of interest you will save by prepaying your mortgage.

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 Paramus, Oradell and Ridgewood, 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 Paramus, Oradell and Ridgewood 



Real Estate Tips
Bargain Properties >Diamonds in the Rough

There are a lot of "diamonds in the rough" for sale. A property with incredible potential may be in a great location, have large sunny rooms and a big yard, but it may also have dated wall paper, worn carpeting, and uninspired bathrooms. If you can look beyond the surface, you may see a house that could be transformed by a little "elbow grease", paint, and new carpets.

A house that is structurally sound with all the systems in good condition may be only a few cosmetic repairs away from being fantastic! A home that does not show well is usually priced accordingly. If the price doesn't reflect the condition of the house, the seller may be more willing to negotiate than a seller who has made a considerable investment in preparing a home for the market.

Bring your imagination with you on your next house hunting trip! You may be pleasantly surprised to find a diamond in the rough.

See All Tips In The "Bargain Properties" Category >
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Real Estate Trivia
Q 
What is the fastest-growing state in the U.S.?

A 
Nevada, for the 19th consecutive year, according to 2005 Census Bureau statistics.
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Jeana Cowie, REALTOR®, real estate agent and broker for Paramus, Oradell and Ridgewood, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Jeana Cowie
RE/MAX Real Estate LTD

297 Kinderkamack Rd
Oradell, NJ 07649
office: 201-599-1100 ext. 348
cell: 201 982 2200
fax: 201-251-8283
JMCowie@optonline.net

ABR = Accredited Buyer Representative GRI = Graduate Real Estate Institute SRES = Senior Real Estate Specialist Broker Associate, Real Estate Agent

ABREqual HousingGRIMLSREALTORSRES


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