Real Estate Loans

 

Ready to buy a home?  Maybe you just want to refinance your current mortgage.  We are here to help.  refamily

We offer several in-house options or can help with secondary market loans as well.

 

In-House Purchase/Re-Finance Options

  • Rates as Low As:
  • Terms Available:

 

Other Purchase/Re-Finance Options

  • Terms Available:
  • 20 Year
    Fixed Rate

  • Call for Rate Quote
  • Up to 240 Months
  • 30 Year
    Fixed Rate

  • Call for Rate Quote
  • 241 -360 Months

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Mortgage Calculators

How Much Can I Afford?
How Much Can I Afford?

This page will calculate the most expensive house you can afford based on your income and other factors.

* The percentage of your pre-tax income you are able to spend on housing. 28% is the standard amount.

Yearly Income (before tax)
$
Down Payment
$
Interest Rate
%
Term of Loan
Percent of Incomssse for Housing *
%
 

Payment Calculator
Payment Calculator
Solve
Present Value:
Interest Rate:
Period:
Months or Years
Payment:
Future Value:
Baloon After Period:
Months or Years
Present Value:
Interest Rate:
Months/Years:
Payment:
Future Value:
Baloon Amount:
Interest Amount:
Total Amount:
Note: After you solve, you will be able to view the amortization schedule.


Should I Make An Extra Payment?
Should I Make An Extra Payment?

Input your Principal loan balance, Interest rate and Loan Term:

Principal Loan Balance:

You can also specify:

Interest Rate (%):

Annual Taxes:

Amortization, in Years:

Annual Insurance:

Monthly Payments Results

Monthly Principal and INTEREST

Monthly Taxes

Monthly Insurances

Total Monthly Payment


Bi-Weekly Payments Results

ByWeekly Principal and INTEREST

(Monthly amount / 2)


Summary

Interest you will pay with a MONTHLY
mortgage payment plan:

Interest you will pay with a BI-WEEKLY
mortgage payment plan:

Bi-weekly Mortgage Interest Savings:

Bi-weekly payments savings:

If you choose a bi-weekly mortgage payment system you are, in essence, choosing to add a 13th monthly payment to your annual number of monthly payments, and splitting it up between 26 bi-weekly payments. You will pay a little more per month with the bi-weekly payment system, but the total INTEREST paid on the loan will be the lowest.

By adding a 13th annual monthly payment to your annual number of monthly payments and spreading that extra monthly mortgage payment into bi-weekly mortgage payments...

Means that by paying an extra

every two weeks

you will pay off your mortgage loan in

months

instead of the current

months

your mortgage interest savings will be

Do you really want to give an extra

to the bank?


Early Mortgage Payoff Calculator
Early Mortgage Payoff Calculator

How much money will you save by making extra monthly mortgage payments?

This calculator assumes you have a fixed-rate mortgage.

Initial Loan Amount
$
Term of the Loan
Years Remaining
Interest Rate
%
Extra Monthly Payment
$
 

15yr. vs. 30yr. Mortgage
15yr. vs. 30yr. Mortgage

This calculator will offer a comparison of 15 and 30 year mortgages.

Purchase Price
$
Down Payment
$
15 Year Interest Rate
%
30 Year Interest Rate
%
 

Annual Housing Appreciation Calculator
Annual Housing Appreciation Calculator

This will calculate the annual appreciation of your house since you bought it.

Purchase Price
$
Date of Purchase
Current or Sale Value
$
Current or Sale Date