Jersey City, Weehawken, Hoboken and Union City real estate and homes for sale in New Jersey - Francesco Mazzaferro, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo

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Mortgage Calculators
Welcome > Resources > Mortgage Calculators > 15 vs. 30 Year Mortgages ...

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... 

15 vs. 30 Yr Mortgages

Determining which mortgage term is right for you can be a challenge. With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.

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 your mortgage. Interest rates are generally lower for shorter term mortgages.

Marginal tax rate
This is your combined state and federal tax rate. This is used to calculate your potential income tax savings by deducting your mortgage interest.

Monthly payment
Monthly principal and interest payment (PI). Both 30 year and 15 year mortgages are shown.

Total payments
Total of all monthly payments over the full term of the mortgage. Both 30 year and 15 year mortgages are shown.

Total interest
Total of all interest paid over the full term of the mortgage. Both 30 year and 15 year mortgages are shown.

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.

Francesco Mazzaferro, REALTOR®, real estate agent and broker for Jersey City, Weehawken, Hoboken and Union City, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Francesco Mazzaferro
Coldwell Banker Residential Brokerage

100 Washington Street
Hoboken, NJ 07030
Mobile:: 201-410-3020
Office Direct:: 201-533-3070
Office:: 201-798-3300 Ext. 211
Fax: : 201-533-3055
E- Fax:: 862-345-1562
FrancescoM@NJDreamHomes.net
FrancescoM@HomesbytheHudson.com

There couldn't be a better time to buy and sell real estate than right NOW! Take advantage of the record low interest rates, and start your real estate portfolio...

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Real Estate Tips
Working With An Agent >A Real Estate Agents Expertise

If you are using the services of a professional real estate agent to find a new home, good communication is crucial to the transaction. A real estate agent who knows your most significant criteria can work much more effectively to show you homes that will meet your needs.

Let the real estate agent know why you are interested in a specific location. Discuss specific requirements such as proximity to your job, good schools, or recreational activities. If there are no houses available in your price range, the agent may suggest alternate neighborhoods with the same amenities. Do you need a home office or do you have hobbies that you want to accommodate? Is there a particular style of architecture that you prefer?
Agents sometimes have to be intuitive when we work with buyers. The more you can describe to your agent what elements in the home are essential and where you are willing to compromise, the easier it will be to use their expertise to find a home that's perfect for you.

See All Tips In The "Working With An Agent" Category >
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Real Estate Trivia
Q 
The smallest of Canada's 1000 Islands shares a name with a fairy tale hero. What is it?

A 
Tom Thumb
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