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Mortgage Calculators

Mortgage calculators are used to help a current or potential real estate owner determine how much they can afford to borrow to purchase a piece of real estate. Mortgage calculators can also be used to compare the costs or real interest rates between several different loans, determine the impact on the length of the mortgage loan of making added principal payments or bi-weekly instead of monthly payments. A mortgage calculator is an automated tool that enables the user to quickly determine the financial implications of changes in one or more variables in a mortgage financing arrangement. The major variables include loan principal balance, periodic interest rate compound interest, number of payments per year, total number of payments and the regular payment amount.

You can use these mortgage calculators to help you get a mortgage loan or for your mortgage refinancing decisions. Determine which deal offers the lowest monthly payments, how much home you can afford, and whether it makes sense to rent or buy.

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20 Mortgage Calculators!

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Mortgage Calculator Articles

Types of Mortgage Calculators

When it comes to mortgages, there are so many different variables that come into play, it's sometimes hard to know what your payments will be.A mortgage calculator can save you a lot of moneyEven if you already have a mortgage, you might want to gauge how quickly you could repay your mortgage if...
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Mortgage Rates Calculator

If you are planning of buying your dream house and you're not sure whether your current financial situation will be enough to cover the monthly amortization, the down payment and taxes and all that are involved when it comes to acquiring your loans, turn to home mortgage calculator. Its a simple...
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Mortgage Facts 101

A mortgage is the pledging of a property to a lender as a security for a mortgage loan. While a mortgage in itself is not a debt, it is evidence of a debt. It is a transfer of an interest in land, from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower.

The term comes from the Old French "dead pledge," apparently meaning that the pledge ends (dies) either when the obligation is fulfilled or the property is taken through foreclosure.

In most jurisdictions mortgages are strongly associated with loans secured on real estate rather than other property (such as ships) and in some cases only land may be mortgaged. Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property.

The measurement of a mortgage with regards to cost to the borrower can be measured by Annual Percentage Rate (APR) or many other formulas for true cost such as Lender Police Effective Annual Rate (LPEAR).

In many countries it is normal for home purchases to be funded by a mortgage. In countries where the demand for home ownership is highest, strong domestic markets have developed, notably in Spain, the United Kingdom, the Commonwealth of Australia and the United States.