Home Loan Calculators and Tools from Sovereign Bank ? Part Two

Now, continue our discussion about calculators from Sovereign Bank. Some of its calculators are quite helpful in your mortgage decisions. For example, you can easily find out:

Which loan term is better?

If you are considering which loan term (15 or 30 years) to lock in, take advantage of this calculator from Sovereign Bank to help you make a decision. With this calculator, you can get an estimate of the monthly payments you should expect to make under different loan terms.

The result of a calculation will tell you whether a 15-year loan will cost you less or higher than a 30-year loan, based on a variety of information, such as interest rate, loan term, loan amount, purchase price and others. In fact, for this calculator, loan terms don?t have to be 15 years or 30 years. You can compare home loans with term options of 1 to 40 years.

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Whether you should pay points?

Indeed, paying points can help lower your mortgage interest rates. However, I would like to say it actually doesn?t make financial sense for every homeowner. This calculator is just offered to help you determine whether paying additional charges for a lower interest rate is a good deal.

It will calculate the monthly payment for two mortgage loans: one with less points and one with more points. In addition, by calculation, you will be shown that ?The loan with the greater points will cost you less or higher than the one with lesser points over xx years. You will have to own your home for xx months to break even on your refinancing?.

To use the tool, you have to enter a lot of terms, such as loan amount, interest rate, origination charge, your state + federal tax rate and yearly property tax. Be noted that if your loans carry a variable rate, additional information will be required, including:

? Months before first adjustment

? Months between rate adjustments

? Maximum rate adjustment

? Maximum rate, minimum rate

? Margin, index rate

? Index rate change per adjustment

? Months between index adjustments

This definitely helps you a lot in determining whether to pay points.

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Should I refinance?

Many of you may choose to refinance at a better interest rate, a lower monthly payment or a longer loan term. Indeed, refinancing comes with these benefits. However, I would like to say whether refinancing is a good deal for you ? it depends!

If you are considering refinancing and want to know if it makes sense for you, take advantage of this refinancing tool from Sovereign Bank. It calculates whether the decision to refinance your mortgage is a good one based on the following terms you have to enter:

? Regarding your current loan (original loan amount, original term, years already paid, balloon year and interest rate)

? Regarding your new loan (term, balloon year, origination charge, charge for specific interest rate, other settlement services and interest rate)

? Regarding your property (appraised value, yearly property tax and yearly property insurance)

? Regarding yourself (your savings rate, your state + federal tax rate and years before you sell)

The result of a calculation will tell you whether you can save and how much you can save by refinancing. Be noted that the calculator isn?t used to evaluate a cash-out refinancing, as it compares costs for the same loan amount.

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Additionally, certain fees involved in your mortgage and your loan process can also be figured out with ease, through the following calculators.

Calculate your payments on adjustable-rate mortgage

This calculator gives you an estimate of your initial monthly payment for an adjustable-rate mortgage loan, based on the loan amount, initial interest rate, index rate, months between rate adjustments, minimum rate, maximum rate and other terms. The monthly payment shown includes principal and interest, taxes and insurance as well as mortgage insurance if applicable.

Be aware that currently two widely used indices for adjustable-rate mortgages are the yield on 1-year constant-maturity U.S. Treasury bills (CMT) and the 11th District Cost of Funds Index (CPFI).

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Calculate your mortgage down payment

Most of you may be aware that the interest rate on a home loan determines (in part) the monthly payment. However, many of you may be unaware that your down payment also has an effect on the monthly payment.

This calculator just allows you to see how various down payment percentages will affect your monthly mortgage payment. It gives you an estimate of your monthly payments under two loans with the same features (such as loan term and origination charge), except for down payment and interest rate. This is because, in general, the higher your down payment, the lower the interest rate.

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Calculate your average yearly tax savings

With this calculator, you can get to know your average yearly tax savings on a mortgage loan and your after-tax interest rate on the loan. To get the information, all you need to do is just to enter the following information at no costs.

? Loan amount, term, interest rate

? Origination charge

? Charge for specific interest rate

? Other settlement services

? Your state + federal tax rate

? Appraised value

? Yearly property tax, yearly property insurance

http://partners.leadfusion.com/tools/sovereignbank/home08/tool.fcs

Calculate your closing cost for mortgage loans

For most mortgage loans, there are closing costs to pay for items such as title service, inspections, recording and appraisal. This closing cost calculator from Sovereign Bank would give you an estimate of what closing costs you need to pay.

Just fill in the required terms at the calculator, such as purchase price, loan amount, interest rate, adjusted origination charges, yearly property tax and yearly property insurance. You will be shown a variety of mortgage settlement charges you need to pay.

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Calculate the monthly payment for PMI over different down payments

In most cases, if you make a down payment of less than 20% of the purchase price, you are required to buy private mortgage insurance. Your down payment would affect your mortgage insurance rate as well as your monthly payment on a mortgage loan.

This calculator from Sovereign Bank just shows how your down payment affects them. The tool gives you an estimate of your monthly payment for private mortgage insurance over a range of different down payments, based on the interest rate, term, appraised value, yearly property tax and yearly property insurance you are required to enter.

http://partners.leadfusion.com/tools/sovereignbank/home13/tool.fcs

Calculate your closing cost for refinancing loans

As we know, refinancing generally makes sense if the amount you can save is enough to cover the associated settlement charges.

So, you can use this calculator to work out your mortgage closing costs (or settlement charges) for a given set of loan terms, such as purchase price, loan amount, term, interest rate and adjusted origination charges.

This tool divides settlement charges into two categories: origination charges and other settlement services.

Do you find that most of these calculators from Sovereign Bank require you to enter loan terms (such as interest rate and loan amount), your state + federal tax rate, yearly property tax and yearly property insurance? Anyway, no matter what information is required, make the information as actual as possible. So, you can get the numbers you need to make a right decision with these tools.

Note: Calculators mentioned in this article (Part Two) also allow you to print, save or share the information. Simply supply the required information, including your name, state and email address. If you choose to enroll in Sovereign?s eCommunications Program, you will receive special online offers, product updates and industry news.

Note: This web site is not affiliated with or associated to Sovereign Bank. Visit Sovereign Bank official service pages if you are looking for guaranteed information or professional financial advice.

Thanks for your visiting! We're always trying our best to complete the mortgage information presented here to help you get the most of your mortgage. Bookmark our site and revisit now and then for the latest info.

Source: http://www.mortgage-guides.com/articles/home-loan-calculators-and-tools-from-sovereign-bank-part-two.html

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Most People Make Blunder Connected With Dialling The Pet Dog ...

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Source: http://siscer.net/articles/pets/most-people-make-blunder-connected-with-dialling-the-pet-dog-for-many-years-if-they-are-poor-2/

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Justin Bieber's 'As Long As You Love Me' Video: Growing Up Is Hard To Do

Bieber dives headlong into adulthood — and takes a beating from Michael Madsen — in his brand-new video.
By James Montgomery

Justin Bieber in his "As Long As You Love Me" music video
Photo: Island/ Def Jam

Source: http://www.mtv.com/news/articles/1690963/justin-bieber-as-long-as-you-love-me-music-video-premiere.jhtml

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Health Insurance Refund Coming to Millions of Americans ...

From: Health Insurance Blog - 3:11pm - July 31, 2012

There are many aspects of the Affordable Care Act that are up for debate, but many Americans will be pleased to hear that a refund check could be coming their way. ?By August 1, 2012, health insurance companies will be refunding about $1.1 billion in premiums to approximately 12.8 million customers. ?In the Affordable Care [...]

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Source: http://ewallstreeter.com/health-insurance-refund-coming-to-millions-of-americans-5169/

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