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This mortgage calculator can be used to figure out monthly payments of a home mortgage loan, based on the home's sale price, the term of the loan desired, buyer's down payment percentage, and the loan's interest rate. This calculator factors in PMI (Private Mortgage Insurance) for loans where less than 20% is put as a down payment. Also taken into consideration are the town property taxes, and their effect on the total monthly mortgage payment.
It's the day you've been waiting for the last two weeks...
payday and the only time when your face lights up and you
actually go to the office with a lot of wonderful, dreamy
thoughts in your head - such as how fast you'll be able to bolt
out of the office and get yourself down the to nearest mall and
you can already smell the Caffè Verona® you plan on ordering at
Starbucks. Either way, you seem compelled to impulsively spend
all of that hard-earned cash on something that in all
likely-hood you can do without. Like that dress you'll probably
wear just once or the Egyptian silk sheets that you've been
drooling over ever since you noticed that Jessica Simpson on
Newlyweds sleeps on in luxurious comfort. Never mind they are
actually worth fourteen hundred dollars... but like you always
tell yourself - you deserve it. Besides, what's the harm in
rewarding yourself for a job well done? You deserve some
pampering too.
You may even find yourself making plans at some luxurious spa,
to sample of their relaxing (not to mention, extremely costly)
facials, massages or treatments. After all, you work hard and so
you've definitely earned it since you've been stressed out all
month long from your hectic schedule and tight deadlines.
On the other hand, have you ever even thought of saving... even
occasionally putting a portion away for a rainy day? Have you
thought about you future? And if it actually involves those
Egyptian silk sheets that you just purchased or the designer
coffee that you simply cannot seem to get enough of - is it
really worth it?
Unfortunately for too many, sooner or later reality sets in and
when it does it hits them like a Category 5 hurricane and they
wake up they realize (hopefully not too late) how deeply they've
buried themselves in an oppressive amount of debt. And they also
realize that they have absolutely nothing to fall back on in
order to get themselves out. You could simply hand in the towel
and declare bankruptcy (many do) however, an alternative, less
stressful and smarter way to go, is to at least initially, look
into getting a debt consolidation loan.
The thought of a debt consolidation loan may not be all that
enticing to most of the debt saddled, but then again what's the
alternative - bankruptcy or paying minimums on your credit cards
at 20% interest for the next 20 years? Unfortunately for those
of you who have nothing in your savings or other assets to tap
into, it may be your best option and perhaps the first really
smart financial decision you've made in quite awhile.
You are clearly aware that a ton of companies offer debt
consolidation loans, just the fact that you are reading this
article attests to the fact that you've done some type of
internet search related to debt or debt consolidation. You just
have to be honest about your finances or whatever it was that
you were doing with your money (when you still had some) so that
whomever you decide to go with to try and secure that debt
consolidation loan will be able to provide you with an accurate
scenario of your financial present and future.
The past is... as they say, history. You really have no choice
but to simply move on, walk away from your past mistakes and
hope that you've learned something useful. And then, incorporate
those lessons into your future dealings with money and hope
against hope that your debt consolidation loan will be approved
so that you can take the overwhelming burden of debt you've
saddled yourself with and leave it far behind.
As you search for a debt consolidation loan make sure you do
your due diligence by shopping around and asking questions
whenever you feel lost by the "financial jargon" or the whole
process in general. If you do your part, you'll greatly increase
your chances or working with a reputable company that's not out
to take advantage of your current poor financial situation.
A final bit of advice, virtually all Loan Officers work on
commission and so it's in their best interest to... 1) Make sure
you get the loan and 2) Charge you the highest interest rate
possible and the highest possible fees and still make the deal.
That being said, don't ever take the first quote you get for
rate and closing costs as the best deal you can get because it
very rarely is. While shopping, make sure the companies you are
working with know that your shopping around tell them straight
out that you will give your business to whomever can come up
with the best deal and who's is upfront and honest from the
get-go.
Never forget that you are in charge (regardless of your current
financial state) and if you don't feel comfortable with your
lender or what's being presented then simply move on until you
find someone who treats you with the respect and dignity you
deserve.
About the author:
Kevin Erickson is a contributing writer to the following
websites: http://www.debtmergeresources.com/ and
http://www.debtmgmtresources.com/. This article may be
reproduced only in its entirety.