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Wondering what income you'll need to buy a median-priced home? See our latest metropolitan area home affordability analysis

Wondering what income you'll need to buy a median-priced home? See our latest metropolitan area home affordability analysis

Where is my favorite mortgage amortization and prepayment calculator?

Q: What happened to the mortgage calculator which allowed for changing prepayments of principal? Do you still offer it? Do I need to buy a calculator from you?

A: We still offer the Homebuyer's Calculator Suite, which will allow you to do the complex amortization and payment schedules you want. The calculator is still free of charge, but you must download it and install it on your local computer again. For simpler, regular prepayments, you should use our online prepayment calculator, too.

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Keith Gumbinger
Keith Gumbinger
Mortgage Expert
Vice President, HSH.com
About Keith: Mortgage market observer and analyst with 35 years experience... (more)
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A:

APR is perhaps the most misunderstood part of mortgage finance. "Rate", or more properly "contract interest rate" is the actual rate of interest you are being charged...

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A 4 percent 30-year fixed-rate mortgage will see equal parts principal and interest at about payment number 154.

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