American Realty Brokers, Phoenix, Scottsdale, Arizona

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		Mortgage 101 Suite of Mortgage & Refinance Calculators

		Many Useful Mortgage & Refinance Calculators for the Home Buyer

Individual Calculators

		Payment Calculator
		This Easy to use calculator helps you to determine a fixed payment for a certain loan amount over a period of time.

		Much Income Do I Need to Qualify?
		How much income does it take you to qualify for a particular home? This calculator will tell you. However, you may want to adjust the qualifying ratios to 33/38 or whatever your local lender recommends.

		How Much Can I Afford?
		How much house can you afford with your income? This calculator helps and is designed for those putting less than twenty percent down.
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		Should I Rent or Buy?
		Rents have risen considerably recently. This calculator helps to show what your net gain may be in owning rather than renting, taking many considerations into account.

		Principal After "X" Years
		Perhaps you plan to sell this home in five years and want to know what your mortgage balance will be at that time.

		Principal Prepayment Calculator
		This mortgage calculator tells you when your normal payoff would be and when it would be if you paid a specific extra amount each month.

		Prepayment Analysis Calculator
		Suppose you want to pay off your mortgage in a specific period of time. How much should you pay monthly to accomplish your goal?

		Prepay Principal or Invest the Money?
		This calculator will help you make the decision on whether it makes more sense for you financially to pay down your mortgage or put some money away in financial investments of various kinds.

		Bi-Weekly Mortgage Calculator
		A bi-weekly mortgage is basically the same as making one extra mortgage payment a year. This calculator tells you how quickly you’d pay off your mortgage if you were making the payments every two weeks instead of once a month.