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Amortization Tables

Learn more about your loan by using our amortization table and apply online to contact lenders about your new loan.

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The figures generated by amortization tables are estimates and you should defer to your lender for concrete, guaranteed information. Amortization table estimates do not factor in late or missed payments, which, if occurring frequently, could significantly impact your repayment schedule. Also, amortization tables may not process fractions of a penny in the same fashion as your lender. The purpose of an amortization table is to give you a clearer picture of how certain terms and components of your loan will affect you on a long term basis and should be used as an educational tool. These tables are not practical for borrowers with adjustable rates, as rates could change significantly over the life of your loan.

An excellent use of an amortization table is to compare a 15 year term with a 30 year term. The $150,000 loan 30 year monthly payment would be increased $351 a month, making your monthly payment $1,348, but your interest paid would be more than cut in half, dropping from $209,263 to $92,683. This table would show that it would be worthwhile to take on a 15 year term if you could stand to pay $351 more a month. If you are unable to change to a 15 year term, adding an extra payment yearly can decrease the total amount of interest paid by just under $50,000. If you are planning to make extra payments be sure to consult your lender about prepayment fees to ensure that you will not be penalized for repaying your loan early.

Amortization tables enable you to enter in your information in order to help you get a clear picture of your repayment schedule. You can use the table to play with the terms in order to understand how flexible you want to be when you close your loan. Generally, when using an amortization table, you put in your loan amount, the interest rate, and the term of the loan. After you enter this information, the table will calculate your monthly payment. Many tables will also give you the amount of interest you will pay monthly, yearly and in total of the life of the loan.

 


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Amortization tables can show a world of difference between loans at different interest rates and different terms. Thirty year loans for example will show a great deal more interest in monthly payments than fifteen year loans… Our mortgage calculator allows you to estimate your monthly payments on a new loan with only a few simple inputs. You can save these results and shop around for a loan that suits your needs… This site provides a free mortgage amortization calculator to estimate your monthly payments and also split up your payments into principal and interest for your viewing pleasure. Contact our brokers to get a quote on your loan…
Home construction loans are popular for home buyers who decide to build their own home. Loans are based on the potential value of the home and the borrowers income. With the help of a mortgage broker professional you can obtain a loan for your new home… Home mortgages are possible even if you have poor credit or prior bankruptcies. A qualified mortgage broker can help get a loan from a bank for you and tell you how much home you can reasonably afford and help you through the entire arduous process…

Current mortgage interest rates are published monthly and yearly and can easily be found online. Various types of loans are indexed by different interest rate measures…

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