Spokane, Mead and Spokane Valley real estate and homes for sale in Washington, New Construction, and Residential Acreage - Tim Ray, REALTOR® Tim Ray REALTOR(r) for Spokane, Mead and Spokane Valley, Washington real estate, New Construction, and Residential Acreage - NUMBER1EXPERT™ Tim Ray NUMBER1EXPERT(tm) for Spokane, Mead and Spokane Valley, Washington real estate, New Construction, and Residential Acreage
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Tim Ray, REALTOR®, real estate agent and broker for Spokane, Mead and Spokane Valley Washington home listings, property and land for sale - NUMBER1EXPERT(tm)
20 Years Experience. Over $75,000,000 In Homes Sold. Top 3% Of All Realtors.... Experience. Integrity. Results. Call me Toll Free at 800.711.3965!


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I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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"The most professional and thorough"
"We have dealt with many other Realtors throughout the years, and you have been the most professional and thorough."
"Dennis and Betsy Queen"
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Mortgage Calculators: Spokane, Mead and Spokane Valley Washington home buying, real estate listings, and homes for sale in Spokane County, WA
Welcome > Resources > Mortgage Calculators > Buying Points ...

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...
 

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.



Tim Ray, REALTOR®, real estate agent and broker for Spokane, Mead and Spokane Valley Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Tim Ray
John L. Scott Spokane Citywide
1500 West 4th Avenue
Suite 202
Spokane, WA 99204
Toll Free: 800.711.3965
Direct Office: 509.444.9400
Fax: 509.238.3189
tim@greatspokanehomes.com

Tim Ray, a lifetime Spokane resident, has been one of the top real estate professionals in the area since 1988 and is truly Spokane’s Premier Number One Expert. Tim has consistently been a top producer who focuses on providing the best personal service available in his market. His outstanding Buyer Services include the finest Spokane Relocation Package available, the exclusive 42 page Spokane Schools 2007 Report, The Daily Hotsheet (an automated daily e-mail with every new listing that meets his clients needs), and the spectacular F.S.B.O. (For Serious Buyers Only) Program that allows his clients to do their own MLS searches. For Sellers, Tim has assembled an incredible marketing program that includes 4 page full color brochures, full color direct mail campaigns, all full color magazine advertising in 3 different magazines, 5 different virtual tours with exposure on over 15 websites, and much more! His efforts have more than paid off. He has finished the year in the Top Ten for Sales Side Volume 4 times in the Spokane Association of Realtors (out of over 1200 agents) and is consistently in the Top 3% of all Realtors. For the most personal, innovative marketing and sales services in the Inland Empire, call Tim Ray and The Specialist Group Toll Free at 800-711-3965.

ABREqual HousingMLSREALTORRELO


John L. Scott Spokane Citywide real estate and homes for sale in Spokane, Mead and Spokane Valley Washington

John L. Scott Spokane Citywide real estate and homes for sale in Spokane, Mead and Spokane Valley Washington

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