Westfield, Scotch Plains and Cranford real estate and homes for sale in New Jersey, waterfront, farms - Susan Massa, CRS SRES ABR Broker, REALTOR® Susan Massa, CRS SRES ABR Broker REALTOR(r) for Westfield, Scotch Plains and Cranford, New Jersey real estate, waterfront, farms - NUMBER1EXPERT™ Susan Massa, CRS SRES ABR Broker NUMBER1EXPERT(tm) for Westfield, Scotch Plains and Cranford, New Jersey real estate, waterfront, farms
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Susan Massa, CRS SRES ABR Broker, REALTORŪ, real estate agent and broker for Westfield, Scotch Plains and Cranford New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)
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Susan is our Realtor for Life
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Mortgage Calculators: Westfield, Scotch Plains and Cranford New Jersey home buying, real estate listings, and homes for sale in Union County, NJ
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. 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... 

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.



Susan Massa, CRS SRES ABR Broker, REALTORŪ, real estate agent and broker for Westfield, Scotch Plains and Cranford New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Susan Massa, CRS SRES ABR Broker
Burgdorff ERA Realtors
600 North Avenue
Westfield, NJ. 07090
Phone: 908-233-6679
Phone 2: 908-233-1881
Cell: 908-400-0778
Fax: 908-233-7323
Email: susanmassa@NUMBER1EXPERT.com
email: smassa5207@aol.com
email: Susan@NJhomeShowcase.com

Susan Massa is a lifelong and fourth generation resident of the Westfield area. With more than 15 years of experience as a real estate broker, Susan is a terrific source of knowledge about area architecture, education, folklore, history, preservation, recreation, shopping, restaurants, economic development, real estate information and relocation to or from New Jersey. A graduate of Kentucky Wesley College, Susan has a Bachelor of Arts degree in marketing management. She also attended Fairleigh Dickinson University in Madison and Monmouth University in Long Branch for graduate studies in business, marketing and finance. A consistent top producer in sales combined with her outstanding marketing skills earned Susan membership in the prestigious New Jersey Association of Realtors (NJAR) Distinguished Sales Club. She received that honor for over ten years of membership in the NJAR Million Dollar Sales Club (Gold Level, 1987; Silver Level, 1986; Bronze Level, 1983, '85, '88, '92, '94-'97), and Circle of Excellence 2002. A strong commitment to the community, the public and the real estate industry has seen Susan honored with multiple awards including NJAR Realtor Associate of the Year, NJAR Community Service Award and Westfield Community Service Award.

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Burgdorff ERA Realtors real estate and homes for sale in Westfield, Scotch Plains and Cranford New Jersey



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