Athens, Watkinsville and Colbert real estate and homes for sale in Georgia, New Construction, Condos - Jim Clauser, REALTOR® REALTOR® Logo - NUMBER1EXPERT NUMBER1EXPERT™ Logo
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Jim Clauser
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 706-433-2670.

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Compare three mortgages at one time. Download TripleCalc now. It's free.

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Mortgage Calculators
Welcome > Resources > Mortgage Calculators > Buying Points ...

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... 

Will Buying Points Save You Money?

Should you buy points? Buying points when you close your mortgage can reduce its interest rate, which in turn reduces your monthly payment. But each "point" will cost you 1% of your mortgage balance. This calculator helps you determine if you should pay for points, or use the money to increase your down payment. Click on the "View Report" button to review your information.

This Financial Calculator requires a Browser with Java Support



Definitions

Term
Number of years for this mortgage. Most common terms are 15 years and 30 years.

Mortgage amount
Total balance for your mortgage.

Interest rate
Annual interest rate for this mortgage without purchasing any discount points.

Years in home
The number of years you expect to live in this home or the number of years before you refinance your mortgage.

Principal and interest
Monthly principal and interest (PI) for this mortgage.

Points rate
Annual interest rate for this mortgage with discount points.

Points
The number of discount points you need to receive the lower rate. Each point costs 1% of your mortgage amount.

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.



School Reports in Athens, Watkinsville and Colbert , Georgia
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Georgia Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Athens, Watkinsville and Colbert  



Real Estate Tips
Buyers Remorse >Do Not Panic

Many homebuyers have experienced the alternating waves of excitement and regret that can occur when the real estate agent presents your offer to the sellers and they accept it. At first you will probably feel ecstatic--unless you wake up the next morning, covered with a rash and asking yourself, "What on earth have I just done?"

Occasionally agents get a morning-after call from buyers who will do anything to get out of the commitment they just made. If you are purchasing a home and find yourself in this condition, there are two important things to remember. First, your rash accompanies a very common condition called "Buyers' Remorse". Almost everyone who buys a house experiences this feeling, with varying degrees of intensity, sometime between making the inital offer and finalizing the sale.

Second, you should know that the anguish of buyer's remorse is almost always temporary. If you experience a sudden panic attack over your home purchase, call your real estate agent immediately. Postpone making any radical decision about backing out of the contract until you have considered things carefully and rationally with your agent.

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Real Estate Trivia
Q 
What is one of the most unusually shaped buildings in the world?

A 
The all-suite Arabian Tower hotel near Dubai is 1,052 feet tall, built on a man-made island and shaped like a boat sail.
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Jim Clauser, REALTOR®, real estate agent and broker for Athens, Watkinsville and Colbert, Georgia home listings, property and land for sale - NUMBER1EXPERT

Jim Clauser
RE/MAX Associates Athens - Oconee, Inc.

1055 Baxter Street
Athens, Georgia 30606
Licensed in the State of Georgia
Direct: 706-433-2670
Toll Free: 800-202-0805
Cell: 706-714-1181
Fax: 706-433-0542
Jim@JimClauser.com

My goal is simple. I promise to offer professional service! Look around my site and if you need anything I'm just a call or email away.

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