Nt1330 Unit 1 Assignment 1

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There are multiple tools available online that will assist you with the task of calculating what your monthly mortgage payment could be; these tools take into account the principal amount (actual price of the home), your down payment amount, your interest rate, PMI (private mortgage insurance), and the amount needed in your escrow account.

It is important, as an informed homebuyer, to know what factors are taken into account when calculating your monthly mortgage payments.

Principal Amount
The principal amount of your mortgage is the actual price of your home. In general, the average term of a mortgage is 30 years. The price of the home is divided by thirty and again by twelve, assuming that you will be making one payment each month. As …show more content…
Theses costs can be rolled into your mortgage so that you do not need to be concerned about paying them upfront at the time of closing.

Down Payment
Your down payment can not only go a long way to reassure the lender that you have a vested interest in your home, but can also be used to reduce the overall financed principal amount.

Interest Rate
The interest rate on your mortgage home loan [http://www.mortgage-bankloan.com/] is the part that will influence your monthly payment the most. The largest portion of your monthly payment goes towards paying interest on the loan. This is why it is vital to ensure you receive the best interest rate possible; even a few interest rate points can create a variation in your payment of several hundred dollars. If you have an adjustable rate mortgage then your monthly payment can vary every month.

PMI
Private Mortgage Insurance (PMI) is required by the majority of mortgage lenders when there are credit concerns and a low down payment offered by the homebuyer. This insurance protects the financing institution in the event that you default on your mortgage.

Nt1330 Unit 1 Assignment 1

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Nt1330 Unit 1 Assignment 1

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Nt1330 Unit 1 Assignment 1

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NT1330 Unit 1 Assignment 1

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Nt1330 Unit 1 Assignment 1

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Nt1330 Unit 1 Assignment 1

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