Bullhead City, Fort Mohave and Mohave Valley real estate and homes for sale in Arizona - Judy Dewey, REALTOR® Judy Dewey REALTOR(r) for Bullhead City, Fort Mohave and Mohave Valley, Arizona real estate - NUMBER1EXPERT™ Judy Dewey NUMBER1EXPERT(tm) for Bullhead City, Fort Mohave and Mohave Valley, Arizona real estate
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Judy Dewey, REALTORŪ, real estate agent and broker for Bullhead City, Fort Mohave and Mohave Valley Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)
CONGRATULATIONS! You found a 24/7 Realtor! All you have to do to is write me or call me at 928-763-1946 or 866-787-0119 and I'll do the rest.


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Mortgage Calculators: Bullhead City, Fort Mohave and Mohave Valley Arizona home buying, real estate listings, and homes for sale in Mohave                         County, AZ
Welcome > Resources > Mortgage Calculators > Fixed or Adjustable Rate ...


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. Each financial calculator also includes a View Report option. The mortgage repayment schedule and other reports are fully customizable. These reports are designed for you to print out and keep...
 

Fixed or Adjustable Rate?

A fixed rate mortgage has the same payment for the entire term of the loan. An adjustable rate mortgage (ARM) has a rate that can change, causing your monthly payment to increase or decrease. Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

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Definitions

Fixed Rate Mortgage
A fixed rate mortgage has the same interest rate and monthly payment throughout the term of the mortgage. The payment is calculated to payoff the mortgage balance at the end of the term. The most common terms are 15 year and 30 years.

Fully Amortizing ARM
This is the most common type of ARM. The monthly payment is calculated to payoff the entire mortgage balance at the end of the term. The term is typically 30 years. After any fixed interest rate period has passed, the interest rate and payment adjusts annually. A Fully Amortizing ARM will also have a maximum rate that it will not exceed. This calculator uses a maximum interest rate of 12%. Below is a list of the most common types of Fully Amortizing ARMs.

Common Adjustable Rate Mortgages
ARM TypeMonths Fixed
10/1 ARMFixed for 120 months, adjusts annually for the remaining term of the loan.
7/1 ARMFixed for 84 months, adjusts annually for the remaining term of the loan.
5/1 ARMFixed for 60 months, adjusts annually for the remaining term of the loan.
3/1 ARMFixed for 36 months, adjusts annually for the remaining term of the loan.
1 year ARMFixed for 12 months, adjusts annually for the remaining term of the loan.
Interest Only ARM
An Interest Only ARM only requires monthly interest payments. Since you are not paying any principal, as you are with the other two types of mortgages described above, this can lower your monthly payment. However, since your mortgage's principal balance is not decreased, you will have a balloon payment at the end of the mortgage's term. Like a Fully Amortizing ARM, an Interest Only ARM will often have a period where the interest rate is fixed, and then it is adjusted annually. An Interest Only ARM will also have a maximum interest rate that it will not exceed. This calculator uses a maximum interest rate of 12%.

Mortgage amount
Expected balance for your mortgage.

Term in years
The number of years over which you will repay this mortgage. The most common mortgage terms are 15 years and 30 years. Please note that for the Interest Only ARM you will have a balloon payment for the entire principal balance at the end of the loan term.

Expected rate change
The annual adjustment you expect in your ARM. The range for this calculator is minus 3% to plus 3%. Use a negative value if you believe interest rates will decrease, a positive value if you believe they will increase.

Interest rate
Annual interest rate for each mortgage type. Typically an ARM will have a lower interest rate than a fixed rate mortgage. The rate of an Interest Only ARM will vary by lender.

Months rate fixed
This is the number of months the rate is fixed for an ARM. During this period the interest rate and the monthly payment will remain fixed. The rate will then adjust annually by the expected rate change.

Interest rate cap
This is the maximum interest rate for this mortgage. The mortgage's interest rate will never exceed the interest rate cap.

Monthly payment
Monthly principal and interest payment (PI) for the Fixed Rate Mortgage and the Fully Amortizing ARM. This is an interest only payment for an Interest Only ARM.

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.




Judy Dewey, REALTORŪ, real estate agent and broker for Bullhead City, Fort Mohave and Mohave Valley Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Judy Dewey
Country Ranch GMAC Real Estate

1858 Highway 95
Bullhead City, AZ 86442
Direct: (928) 763-1946
Direct Toll Free: (866) 787-0119
Office: (928) 763-1946
Fax: (928) 763-1147
Email: Judy@Bullhead4Sale.com
24 Hour Response: Judy@Bullhead4Sale.com

As one of the top RealtorsŪ in Bullhead City, Fort Mohave, and Mohave Valley, I have the experience and track record you are looking for. I can make your property search a relaxing, pleasurable, and really fun experience. By utilizing my expertise to find exactly what you're looking for, you will eliminate unnecessary trips and waste of your precious time, which means more time to enjoy golfing, Bullhead City's wonderful weather, water sports, or trying your luck at the casinos! You can always reach me easily and can be assured of a quick and helpful response. I'm waiting to hear from you!

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Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Bullhead City, Fort Mohave and Mohave Valley Arizona mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Arizona or buy your own Bullhead City, Fort Mohave and Mohave Valley house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Bullhead City, Fort Mohave and Mohave Valley mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
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