1425 Clarkview Road
Suite 700
Baltimore, MD 21209

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Welcome > Resources > Mortgage Calculators > 15 vs. 30 Year Mortgages ...

15 vs. 30 Yr Mortgages

Determining which mortgage term is right for you can be a challenge. 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, and let us help you decide which term is better for you.

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Definitions

Mortgage amount: Original or expected balance for your mortgage.
Interest rate: Annual interest rate for your mortgage. Interest rates are generally lower for shorter term mortgages.
Marginal tax rate: This is your combined state and federal tax rate. This is used to calculate your potential income tax savings by deducting your mortgage interest.
Monthly payment: Monthly principal and interest payment (PI). Both 30 year and 15 year mortgages are shown.
Total payments: Total of all monthly payments over the full term of the mortgage. Both 30 year and 15 year mortgages are shown.
Total interest: Total of all interest paid over the full term of the mortgage. Both 30 year and 15 year mortgages are shown.

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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School Reports in Owings Mills, Reisterstown and Westminster, Maryland

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About Appraisals >A Market Analysis

Setting the right price is an important first step in the process of selling a home. Is it necessary to spend $200 to $400 for a professional appraisal of your property before placing your home on the market?

A professional appraiser's opinion of a property's market value is based on the recent sales of similar homes in the neighborhood, and on the square footage and condition of the property. Different appraisers might come up with different figures. Even if all of them agreed on a value, there is no guarantee that you would receive that amount for your property.

An alternative to a professional appraisal is to ask a professional real estate agent for a written market analysis of your property. This analysis will include information about recent home sales in your neighborhood, as well as how those homes compare to yours. Real estate agents may provide this service with no charge or obligation. If you are still unsure of the value of your home, you may wish to pay for an appraisal.

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Q	What house is considered to be the first house with running water in America?
A	John Headly's home built in Newport, RI in 1723, was equipped with an underground pipe from the nearby spring.
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Corey Campbell and Nicholas Kellar, REALTOR®, real estate agent and broker for Owings Mills, Reisterstown and Westminster, Maryland home listings, property and land for sale - NUMBER1EXPERT

Corey Campbell and Nicholas Kellar
Yerman, Witman, Gaines & Conklin Realty
1425 Clarkview Road, Suite 700
Baltimore, MD 21209
Corey Cell: 410-236-1339
Nicholas Cell: 443-375-2224
Corey's Direct line: 443-798-7856
Nicholas Direct line: 443-798-7858
Fax: 410-583-0222
Email: CKG@YWGCRealty.com
As a team, we deliver a positive, high energy, and hard work ethic to our clients! It's a given that we will provide the highest level of service and loyalty, while using our knowledge of the industry, market, and area to help meet your goals! While putting your needs first, we continually strive towards earning your trust and business in building a longstanding relationship! We value the significance that a real estate transition is in one's life. That being said, we will practice empathy and patience in guiding your best interests from contract to settlement!

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