All franchises are independently owned and operated.

Call or email today to find out how to $Save Money$ when buying or selling your Arizona Home. Search the Arizona MLS list of Homes for Sale.

"Home Run 45 Day Marketing Guarantee"
Best Internet Advertising with Homes.com, Homes Illustrated, Century21.com, NRBA, Harmon Homes and more
Find Out More >
View All Offers >

Here is what First Time Buyer, Ashley had to say
about her first time home buying experience, “they walked me through every step of the way...
"Ashley from Surprise"
Read Quote >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Peggy Elias is one of The Top Selling Real Estate Experts™
Find Out More >

See the nation's top rated reports for Schools in Phoenix, Glendale and Surprise >

Mortgage Companies
Find Out More >
View All Affiliates >

Welcome > Resources > Mortgage Calculators > Adjustable Rate Mortgages ...

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...

Adjustable Rate Mortgage Calculator

Adjustable rate mortgages can provide attractive interest rates, but your payment is not fixed. This calculator helps you to determine what your adjustable mortgage payments may be.

This Financial Calculator requires a Browser with Java Support

Definitions

Mortgage amount: Original or expected balance for your mortgage.
Starting interest rate: Initial annual interest rate for this mortgage.
Term in years: The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.
Interest rate cap: This is the highest interest rate allowed by your mortgage. Your actual interest rate will not be adjusted above this rate.
Expected adjustment: The amount you believe that your mortgage's interest rate will change. This amount will be added to or subtracted from your interest rate.
Months between adjustments: The number of payment periods between potential adjustments to your interest rate. The most common is 12 months, which means your payment could change at most once per year.
Starting monthly payment: Monthly principal and interest payment (PI) based on your beginning balance and starting interest rate.
Total payments: Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.
Total interest: Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.

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.

School Reports in Phoenix, Glendale and Surprise, Arizona

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

Arizona Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Phoenix, Glendale and Surprise

First Time Buyers >Questions from Real Estate Agents

Real estate agents begin their professional relationship with buyers by asking numerous questions about the buyer's personal and financial situation. The answers to these questions will give the real estate agent a clear idea about the buyer's housing needs and price range. It is a waste of time for an agent to show a buyer homes they can't afford, and it can be disheartening to consider unrealistic possibilities.

In order to do a great job finding you a home, your real estate agent needs to have some basic information about your income, debts, and the amount of cash you have available for a purchase. Your agent also needs to know something about your lifestyle. How large is your family? Where do you work? Do you have school-age children? Do you enjoy entertaining? What hobbies would you like to accommodate?

The real estate agent who helps you find your new home will get to know you very well, so it is very important that you feel comfortable with that person and free to communicate openly.

	See All Tips In The "First Time Buyers" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What celebrity home sold recently for a reported $5.5 million, despite its yellow-and-rust striped paint job?
A	This Hollywood Hills residence was the former home of the popular singer, Madonna.
See More Real Estate Trivia >

Peggy Elias, REALTOR®, real estate agent and broker for Phoenix, Glendale and SurpriseArizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Peggy Elias
Century 21 Northwest
6630 W. Cactus Rd, B-113
Glendale, AZ 85304
Tel: 623-435-0447
Cell: 602 670-8496
Fax: 623-435-1350
Email: peggyelias@NUMBER1EXPERT.com
I value my clients highly and take great pride in offering top-quality real estate services with a commitment to excellence. I offer a guarantee of my services and the Century 21 "Buyer and Seller Service Pledge". Buying or selling your home is a big decision, and I know you have a choice of Realtors. I would like to be your Arizona real estate agent of choice. I want to be the Arizona Realtor who becomes your trusted advisor not just for now, but for the future also....Please call today so that together, we can determine your unique situation and home buying or selling needs. I want to help you to make your move happen smoothly and with the confidence and knowledge that you have a top Century 21 agent working with you. You will find you save both time and money by working with an agent with the experience to negotiate a great deal on your new home.

www.ArizonaPhoenixRealEstate.com is brought to you by Peggy Elias
NUMBER1EXPERT™ in real estate for Phoenix, Glendale and Surprise, Arizona, first time buyers, move up buyers

Read Peggy Elias' Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge