Parsippany, Randolph, Denville and Morristown real estate and homes for sale in New Jersey, spanish speaking, 55+ communities - Marlene Ginsberg, REALTOR® REALTOR® Logo - NUMBER1EXPERT NUMBER1EXPERT™ Logo
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Marlene Ginsberg
All agents are NOT alike! Find out why I am a top real estate expert. Call me at my direct number: 973-290-7903.


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Her Forte Was Negotiations
"Be secure in the knowledge that you have a real 'Professional' working with you."
Anthony Biunno - Morristown, NJ - Jan. 2001
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TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Marlene Ginsberg is one of The Top Selling Real Estate Experts™
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Mortgage Calculators
Welcome > Resources > Mortgage Calculators > What Is Your APR? ...

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. Each financial calculator also includes a View Report option. The mortgage repayment schedule and other reports are fully customizable. These reports are designed for you to print out and keep... 

What Is Your APR?

Use this calculator to determine the Annual Percentage Rate (APR) for your mortgage. Press the report button for a full amortization schedule, either by year or by month.

This Financial Calculator requires a Browser with Java Support



Definitions

Annual Percentage Rate (APR)
A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate may be a bad value if its fees are too high. Likewise, a loan with a higher stated rate with very low fees could be an exceptional value. APR calculations incorporate these fees into a single rate. You can then compare loans with different fees, rates or different terms.

Mortgage amount
Original or expected balance for your mortgage.

Interest rate
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.

Monthly payment
Monthly principal and interest payment (PI).

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.

Loan origination percent
The percent of your loan charged as a loan origination fee. For example, a 1% fee on a $120,000 loan would cost $1,200.

Discount points
Total number of "points" purchased to reduce your mortgage's interest rate. Each "point" costs 1% of your loan amount.

Other fees
Any other fees that should be included in the APR calculation. These fees can vary by lender, but at a minimum usually includes prepaid interest.

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 Parsippany, Randolph, Denville and Morristown, New Jersey
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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New Jersey Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Parsippany, Randolph, Denville and Morristown 



Real Estate Tips
Selling Your Home >Showing Your Home

Real estate agents typically want the properties we market to look spotless and wonderful. However, the sellers eventually find that keeping their house in prime showing condition begins to wear thin after a few weeks for even the most impeccable housekeepers.

It is a lot of work to keep the beds perpetually made, the kitchen and bathrooms spotless and closets neat. Is it worth the effort? It is--if you want to sell your house for top dollar in a reasonable amount of time. Buyers often see normal clutter, and what registers is "this house hasn't been maintained." They see bathtub rings and think "plumber's bills." Dirt under the radiators causes them to imagine having to replace the entire heating and air conditioning system. People are often functioning more on emotion than logic when selecting a house. You can help your broker by minimizing the amount of imagination that buyers will need in order to fall in love with your home.

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Real Estate Trivia
Q 
What famous example of post-colonial architecture is modeled after the palace of the Duke of Leinster in Ireland?

A 
The White House in Washington, D.C., begun in 1792 and burned by the British in 1814, was rebuilt in 1818 and restored in 1951.
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Marlene Ginsberg, REALTOR®, real estate agent and broker for Parsippany, Randolph, Denville and Morristown, New Jersey home listings, property and land for sale - NUMBER1EXPERT

Marlene Ginsberg
Coldwell Banker Residential Brokerage

2200 Route 10 West
Parsippany, NJ 07054
Direct: 973-290-7903
Office: 973-267-3030 x 112
Evening: 973-895-3391
Fax: 973-285-5186
maginsberg@aol.com

Marlene has lived in Morris County for over 30 years and has been an active licensed real estate professional for over 20 years.... She has generated over $140 MM in real estate sales while successfully helping hundreds of families move. A perennial multi-million dollar producer (Gold Level - $15 MM in annual sales), Marlene has been a member of the prestigious Coldwell Bankers International President's Elite, which recognizes the top 1% of the company for the last six years. Marlene received an award for being #1 IN CUSTOMER SERVICE and is ranked among the top 50 out of 3500 Coldwell Banker agents in New Jersey year in and year out. As your NUMBER1EXPERTTM for the Randolph, Parsippany, Denville and Morristown/Morris Township areas of Morris County, Marlene heads a team of real estate professionals that are very well equipped to provide you the finest service for all your real estate needs. Put her and her entire team to work for you! Call or email Marlene today!

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