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... Adjustable Rate Mortgage Calculator
Adjustable rate mortgages can provide attractive interest rates, but your payment is not fixed. This calculator helps you to determine what your adjustable mortgage payments may be.
Definitions
- Mortgage amount
- Original or expected balance for your mortgage.
- Starting interest rate
- Initial annual interest rate for this mortgage.
- Term in years
- The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.
- Interest rate cap
- This is the highest interest rate allowed by your mortgage. Your actual interest rate will not be adjusted above this rate.
- Expected adjustment
- The amount you believe that your mortgage's interest rate will change. This amount will be added to or subtracted from your interest rate.
- Months between adjustments
- The number of payment periods between potential adjustments to your interest rate. The most common is 12 months, which means your payment could change at most once per year.
- Starting monthly payment
- Monthly principal and interest payment (PI) based on your beginning balance and starting interest rate.
- Total payments
- Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.
- Total interest
- Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.
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.
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BJ Cole
John Hall and Associates
11211 North Tatum Blvd., Suite 200
Phoenix, AZ 85028
(602) 510-7478
Fax: (480) 368-5140
bjcole@NUMBER1EXPERT.com
Hello and welcome to the Valley of the Sun!! I want to be the first to congratulate you on your decision to locate here. Whether it is Scottsdale, Paradise Valley, northeast Phoenix, Carefree, Cave Creek, or elsewhere in the valley, I would love the opportunity to match you with the right home.
My area of expertise is matching my clients with the homes of their desires. About 85-90% of my business is from Personal Referrals and Repeat Business which I could only achieve with great personal attention and outstanding customer service both during and after my clients' transactions.
I have been a Realtor since 1987 and an associate Broker with John Hall and Associates since 2000. I hold the ABR designation (Accredited Buyer's Representative) and as such will represent YOUR best interests and work on YOUR behalf. If you are SELLING, I have excellent marketing strategies and will get the HIGHEST POSSIBLE PRICE for your home as quickly as possible. You pay me to handle the details and that is what I excel in.
I look forward to welcoming you to the Valley of the Sun and being the only Realtor you will ever need here.    
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