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Compare current interest rates and loan programs on homes in Dallas.  Use our pre qualifier mortgage calculators to determine how much you can afford to pay on a home loan in Dallas. Access mortgage calculators including adjustable rate, fixed rate, bi-weekly, interest only, payoff, rent vs. buy home in Dallas, and more.  Calculate mortgage payments on homes in Dallas and analyze breakeven points, estimated payoff dates, tax savings, and more.  

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Mortgage Calculators
Adjustable Rate Mortgage Calculator This calculator helps you to determine what your adjustable mortgage payments will be.
APR Calculator Adjustable Rate Mortgages Use this calculator to find the APR on your adjustable rate mortgage.
ARM vs. Fixed Rate Mortgage Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Balloon Mortgages A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs.
Bi-weekly Payment Calculator Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
Bi-weekly Payments Existing Mortgage This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments.
Blended Rate Mortgage Calculator This calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and a second mortgage to finance the purchase of a home.
Fixed Rate vs. Interest Only Mortgage Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Fixed Rate Mortgage vs. LIBOR ARM Use this calculator to compare a fixed rate mortgage to a LIBOR ARM.
Interest Only ARM Calculator Interest only mortgages can provide you with very low monthly payments, however you are not paying off any principal during the interest only period.
Interest Only Mortgage Calculator Use this calculator to generate an amortization schedule for an interest only mortgage.
Maximum Mortgage Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Mortgage APR Calculator Use this calculator to find the APR on your mortgage.
Mortgage comparison: 15 yrs vs. 30 yrs Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Mortgage Debt Consolidation This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you.
Mortgage Loan Calculator Use this calculator to determine your monthly payment and amortization schedule.
Mortgage Loan Calculator (PITI) Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Mortgage Payoff Save thousands of dollars in interest by increasing your monthly mortgage payment.
Mortgage Points Calculator Should you buy points? Use this calculator to find out.
Mortgage Qualifier Can you buy your dream home? Find out just how much you can afford!
Mortgage Required Income Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
Mortgage Tax Savings Calculator Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save you in income taxes.
Option ARM vs. Fixed Rate Mortgage Use this calculator see how a the minimum payment on an Option ARM Mortgage can save you money on your monthly mortgage payment.
Refinance Breakeven Should you refinance your mortgage? Use this calculator to determine when you will breakeven!
Refinance Interest Savings Use this calculator to see how much interest you can save by refinancing your mortgage!
Rent vs. Buy

Are you better off buying your home, or should you continue to rent?

Escrow Account

If your property is destroyed by a fire, the lender will have lost his collateral. Also if your taxes are left unpaid, your state can foreclose on your property in order to obtain payment and the lender could lose his collateral. Because of that the lender wants to make sure your insurance premium and property taxes are always paid.

The lender collects your property taxes and your insurance premium in a special account. The money in the account will be used to pay your taxes and insurance premiums when they become due. The amount in this account is based on the estimated amount necessary to pay these obligations each year.

The Real Estate Settlement Procedures Act (RESPA) sets limits on the amounts that a lender may require a borrower to put into an escrow account for purposes of paying taxes, hazard insurance and other charges related to the property. Your lender or service will review the amount in the escrow account annually and notify you of a shortage or excess. Any excess of $50 or more must be returned to the borrower.

RESPA does not require lenders to impose an escrow account on borrowers; however, certain government loan programs (for example, FHA and VA loans) or lenders may require escrow accounts as a condition of the loan.

If you have a Conventional Loan and you do not have PMI (Private Mortgage Insurance), you have the option to close your escrow account and make your own tax and insurance payments. If you have a VA or FHA loan, the maintenance of an escrow account was a condition for the funding of your government-insured loan. In this case, the escrow account cannot be waived or altered.

Your escrow account payments may include a "cushion" or an extra amount to ensure that the lender has enough money to make the payments when due. RESPA does not require lenders to maintain a cushion and limits the amount of the cushion to one-sixth of the total amount of items paid out of the account, or approximately two months of escrow payments.
 

real estate, Houston, Real Estate, Real Estate Listings,Check out  interest rates, loan programs, and get pre qualified. Our interactive site makes financing easy and understandable.  We can help you turn your dreams into reality by helping you shop the mortgage marketplace for financing that meet's your current and future financial needs.

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Pre Qualify Online - Pre-Approval Certificates - Secure Applications - Current Rates - Loan Status 24/7  with updates - Scenario Comparisons - We can send a Notary to you - Advanced processing

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