Mortgage Loan Calculators Can Help You Estimate Your Home Loan Payments [10to5mortgage.blogspot.com]
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With the real estate market beginning to see signs of a bottom leading to a recovery, it may be time to start looking for a new home or an investment property. Because of that, I want to show you a website where you can figure out your loan payments with their mortgage loan calculator.
First, let's talk about what a real estate bottom means. Real estate, just like everything having to do with the economy, moves in definite cycles. While economic downturns are scary and affect people in a real and sometimes debilitating ways, they are part of the normal cycle of our economy. When the economy is down, you can expect that it will go back up.
What investors look at in these cycles is the bottom. The bottom of a cycle is the absolute lowest value an investment vehicle hits before it starts to go back up in value. The closer to the bottom you can buy, the more money you stand to make.
Use the mortgage loan calculator at Yahoo! Real Estate to see if you can afford that property if you think your area is at the bottom of the real estate value cycle.Remember that no matter what your motives are for purchasing a home, it is an investment and should be bought at the appropriate time in the cycle. Let's take a look at the Yahoo! Real Estate mortgage loan calculator which you can find by searching for Yahoo! Real Estate and clicking on the comprehensive mortgage calculator
In order to get an accurate payment amount you have to fill in all of the fields. The loan amount is the total amount that you will borrow for your home. That is different than the selling price of your home. The interest rate will come from your loan company but if you want to get an average rate, look in your newspaper or online for the average rate being paid in your area.
There are numerous online resources that will give you that information.Number of years is normally 30 years and you want to look at a yearly amortization table. (This table simply tells you how much of your payment is going to interest versus principal. It's depressing to see how much money isn't going to the actual payment of your home.)
The property taxes can be found by calling the local city government office or asking your real estate agent if it is on the MLS listing. Your mortgage loan calculator is almost ready to calculate so don't give up.
Hazard Insurance is going to depend on the value of your home plus any additional coverage you want. It is suggested that you get a quote before making a decision on whether to purchase the home. This can easily be done online and the quote will be nearly instant.
Unless your down payment is at least 20% of your home's value, you are going to pay PMI. This is insurance against you defaulting on your loan. Bankrate.com says this:
Let's say you put down 10 percent or $ 10,000 on a $ 100,000 house. The lender multiplies the 90 percent loan, or $ 90,000, by .005. The result is an annual PMI of $ 450, which is divided into monthly payments of $ 37.50.
Now, your mortgage loan calculator is ready so do the calculation and see what comes up. If you can afford it, take the next step. You're on your way to a new home!
Related Mortgage Loan Calculators Can Help You Estimate Your Home Loan Payments TopicsQuestion by : Can i file without a 1099? I have our W2s, I have our mortgage 1099. We are only waiting on my husbands unemployment 1099 for a few weeks that he was laid off. My question is can I go ahead and file without it if I get on the unemployment website and add all of his payments for 2011? It doesn't take a genius to add those up. I add it up evey year before the 1099 actually gets here so I can put in the turbo tax refund estimator and it's always the same as the 1099 when it comes. He has no tax taken out of it, we will owe no tax as we are low income with 4 kids.Our refund is usually in the vicinity of $ 10,000. The reason I ask this is not for some petty "I want to buy a new tv" reason. My husband has been laid off due to lack of work at his job, for 6 weeks now. We need to buy food, gas for heat, pay our utilities, and mortgage. Our van needs work and we have four kids to support. Things that can't wait 3 more weeks. We really need this money asap. So please just be honest and not comment on our situation. So basically will I get in trouble for going ahead on the 17th and filing without the actual 1099. Thanks you :) Best answer for Can i file without a 1099?:
Answer by spicertax
No problem. Since the 1099 does not need to be attached to your 1040 your records are good enough.
Answer by Cathi K
If you have the EFIN number then yes. You only need to attach it if taxes were withheld. In CA, I dont know what the starting date is, the info is available by phone.
Answer by Judy
As long as you can find the exact amount he received, you don't have to wait for the 1099. You DO have to have the W-2, but sounds like you're good there.
Answer by tro
in most cases I believe the unemployment is reported on W-2 G forms if you eflie you do need to be able to input ALL the information on that form or a 1099 to be able to be successful to efile and IRS is not accepting any returns until 1/17/2012, give it a few more days
