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The Dar Walden Team

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Financing/Loan Q&A/RE Tools
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Real Estate - Homes - NUMBER1EXPERTS Sell More!
The Dar Walden Team is one of The Top Selling Real Estate Experts™
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About Anchorage
Anchorage Schools

Elmendorf AFB/ Fort Richardson
Elmendorf AFB
Fort Richardson

Alaska Weather

School Reports
See the nation's top rated reports for Schools in Anchorage, Wasilla and Eagle River >


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

Mortgage Calculators
Welcome > Resources > Mortgage Calculators > Buying Points ...

Will Buying Points Save You Money?

Should you buy points? Buying points when you close your mortgage can reduce its interest rate, which in turn reduces your monthly payment. But each "point" will cost you 1% of your mortgage balance. This calculator helps you determine if you should pay for points, or use the money to increase your down payment. Click on the "View Report" button to review your information.

This Financial Calculator requires a Browser with Java Support



Definitions

Term
Number of years for this mortgage. Most common terms are 15 years and 30 years.

Mortgage amount
Total balance for your mortgage.

Interest rate
Annual interest rate for this mortgage without purchasing any discount points.

Years in home
The number of years you expect to live in this home or the number of years before you refinance your mortgage.

Principal and interest
Monthly principal and interest (PI) for this mortgage.

Points rate
Annual interest rate for this mortgage with discount points.

Points
The number of discount points you need to receive the lower rate. Each point costs 1% of your mortgage amount.

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 Anchorage, Wasilla and Eagle River, Alaska
"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

Alaska Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Anchorage, Wasilla and Eagle River 



Real Estate Tips
Cosmetic Improvements >The Sniff Test

The sense of smell is a powerful motivator. When prospective buyers walk into a house, they respond more positively if they smell freshly baking oatmeal cookies instead of the lingering odor of a household pet.

As the homeowner, you may not notice odors that visitors are aware of as soon as they walk in the door. When your house is for sale, ask a friend or neighbor to give it a "sniff test". If there are offensive odors in your home, how do you get rid of them?

There are a few simple solutions--giving the floors and walls a good scrubbing, using the old vanilla-on-the-light-bulb trick, plugging in an essential oil diffuser and throwing out the dog's special chair. You can temporarily declare your home a "no smoking" zone. You may need professional help for cleaning carpets and drapes or deodorizing walls and wood floors. Your real estate agent will be able to provide you with a list of cleaning services which can assist you in making your home smell clean and fresh.

See All Tips In The "Cosmetic Improvements" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What home is the best example of colonial architecture in homes designed to "grow" as the family grew?

A 
The House of the Seven Gables in Salem, MA, that was the model for Nathaniel Hawthorne's novel of the same name.
See More Real Estate Trivia >


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The Dar Walden Team, REALTOR®, real estate agent and broker for Anchorage, Wasilla and Eagle River, Alaska home listings, property and land for sale - NUMBER1EXPERT(tm) The Dar Walden Team, REALTOR®, real estate agent and broker for Anchorage, Wasilla and Eagle River, Alaska home listings, property and land for sale - NUMBER1EXPERT(tm)

The Dar Walden Team
Keller Williams Realty-Alaska Group

101 W. Benson Blvd. Ste 503
Anchorage, AK 99503
Toll Free: 1-888-257-0550
Phone: 907-240-2804
Fax: 907 - 865-6408
Email: TheDarWaldenTeam@NUMBER1EXPERT.com

Dar Walden: Dar's ninth year in the business coming from a 12-year career in international sales!

Ed Walden: Ed's sixth year in the business coming from a 20 year Air Force career in logistics!

CDPE CLHMS CRS Equal Housing GRI MLS REALTOR


Keller Williams

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