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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I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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"Help after we bought hour home"
"When we had a problem"
Chris and Brenda
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TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Jim Clauser is one of The Top Selling Real Estate Experts™
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As soon as I list another home for sale, I'll email you. You'll know first.
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Mortgage Calculators
Welcome > Resources > Mortgage Calculators > Adjustable Rate Mortgages ...

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... 

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.

This Financial Calculator requires a Browser with Java Support



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.



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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The Heritage Foundation

Georgia Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Athens, Watkinsville and Colbert  



Real Estate Tips
Selling Your Home >Dress For Success

Looking good is important when you want to make a great impression, whether for a job interview or a social function. The same is true of a home that is on the market. When the "For Sale" sign goes up in front of your home, it should be "dressed" for the occasion.

Since the first impression will be of the front of the house, a well-groomed exterior is crucial, from the landscaping to the paint. The interior of your home should be clean and tastefully decorated. Take care of any minor cosmetic repairs that are needed, such as cracked plaster or peeling paint. A sparkling kitchen and shiny bathrooms, clean windows, and the absence of clutter will help your home "show well". Keeping your home looking good at all times is hard work, especially if you have children and are packing for a move. However, the dividends are impressive, because a home that looks well cared for has an excellent chance of selling quickly and for the best price.

See All Tips In The "Selling Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What does the common acronym FSBO (pronounced fizzbo) stand for?

A 
For Sale By Owner. (Between 85 to 95% of existing homes are sold with a Realtor's help.)
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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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