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All about mortgage calculators

The automated tools that enable users to determine the financial implications that they would face while getting a mortgage is known as mortgage calculators. They are used by the customers to gauge monthly repayments and are utilized by the mortgage providers to determine the financial stability of the client. The variables that the mortgage calculators help us with our loan principal, periodic compound interest rate, a number of payments per year, a total number of payments and the regular payment amount.

Many mortgage calculators can be found online, and by asking you to fill out the answers to various questions, they help you to determine how much you can borrow from the mortgage provider. The mortgage calculators provide us with a hassle free way of getting our questions answered before we apply for a loan. Here are some of the issues that you are required to answer by mortgage calculators:

Home price: You need to enter the asking price of the house that you are looking to buy, and you can also enter the amount that you think you will offer for the house.
Down payment: In this column, you need to get into the percentage that you will be putting down as the down payment for the house. Most homes require at least 3% down payment. The higher down payment you pay, the lesser your monthly payment will be.
Loan program: You have the option of choosing from different loan programs like the 30-year fixed; 15-year fixed and the 5/1 ARM in the mortgage calculator.
Interest rate: this column is a pre determined one, and it varies according to the down payment that you pay and your credit score.
Property tax: The mortgage calculator also calculates the estimated property tax that you will have to pay based on the home’s value.
Home insurance: The mortgage lenders typically require you to take out a home insurance. The mortgage calculator also calculates this for you, so that you are prepared for everything.

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