The Sally and David Team
Toggle Navigation
Home
About Sally & David
Cutting Edge Global Marketing
Results for You!
Central Florida Schools
Blog
Find A Home-Search MLS!
Our Featured Listings
Lake Mary Homes For Sale
Heathrow Homes For Sale
Magnolia Plantation Homes For Sale
Longwood Homes For Sale
Alaqua & Alaqua Lakes Homes For Sale
Wingfield North & Wingfield Reserve Homes For Sale
Sanford Homes For Sale
Lake Forest Homes For Sale
Estates at Wekiva Park Homes For Sale
Winter Park Homes For Sale
Windermere Homes For Sale
Dr. Phillips Homes For Sale
Buying
9 Steps to Owning
Home Buyer Checklist
How Escrow Works
Mortgage Calculators
Closing Costs
New Construction
Relocation
Buying Foreclosures/REO's
First Time Buyers
Selling
Strategic Marketing Plan
Staging Your House
Staging Checklist
Curb Appeal List
What's My House Worth?
House Appreciation Explained
Our Recent Sales
Testimonials
Contact Us
Mortgage Calculators
Rates and Payments Research
Monthly Payment
- Calculate your payment and amortization schedule.
Compare Terms
- Compare multiple terms for a given principal and rate. For example, see the difference between a 15 year and a 30 year mortgage.
Compare Rates
- See how changes in your rate affect your payment for a given principal and term.
Mortgage APR
- Find the APR on a fixed rate mortgage.
Balloon Payment
- A balloon mortgage can reduce your monthly payments but may require refinancing at the end of the term.
Interest Only
- Compare monthly payment amounts for an interest-only mortgage and a principal-interest mortgage.
Adjustable Rate Mortgages
- Determine monthly payments and the effective interest rate (APR) for an ARM.
Budgeting Decision Tools
Mortgage Qualifier
- Find out if you qualify for a given mortgage and just how much you can afford, then create an amortization schedule.
Payment Range
- Plug in a high and low figure for a payment and see how it translates to a mortgage.
Mortgage Payoff
- Save thousands of dollars in interest by increasing your monthly mortgage payment.
Bi-weekly Payments
- Discover how much in interest you will save if you make 1/2 of your mortgage payment every two weeks instead of making a full mortgage payment once a month.
Mortgage Tax Savings
- Estimate the tax savings you'll realize by deducting interest and property tax payments.
Analysis For Renters
Tax Savings for Renters
- Find out how much someone currently renting can save in taxes this year if they decide to purchase a home.
Rent vs. Buy
- Factor in things such as interest, property taxes, tax savings, appreciation, opportunity costs, closing costs, and selling costs to see the real difference in renting versus buying.
Renter Affordability
- Based on your current rent, find out how much of a mortgage you could afford.
Refinancing
Refinance Savings and Break-even
- Should you refinance your mortgage? Use this calculator to determine what your new payment will be, how much you'll save in interest and when you will break even.
Consolidate and Refinance
- Should you consolidate a first and second mortgage into a single mortgage?