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An amortization calculator can help you to find out just which home you can afford. This tool can be found in a number of ways but make sure that you find those that are offered for free use on mortgage lender's websites. The goal is to use them to help you to know just how much you will pay on your mortgage loan. What's the bottom line then about the amortization calculators out there, then?

How can an amortization calculator help you to find your dream home then? There are several ways. The goal is to provide yourself with not only a mortgage loan but the best mortgage loan for your needs. Here's what they can do for you.

• First of all, you can see the difference in the interest rates offered between one or another lender. Don't think that quarter of a percent makes a difference? Depending on the terms of the loan as well as on the amount you borrow, that small fraction can cost you several thousand dollars over the course of your loan. So, use an amortization calculator to find the best rates for your needs.
• Do you know how much of a home you can afford? If not, the calculator can provide that information as well. For example, find how much of a home you can purchase to get the monthly payment that you can afford to pay each month. Its simple and takes seconds to do.
• They can also tell you a good deal of information that you need to know when purchasing a home. For example, the amortization schedule is provided and this will tell you how much you will pay, completely for the home. That includes both the principal amount that you are borrowing as well as the interest it will cost you.
• Yet another thing that the amortization calculator can provide you with is a way of determine how long to take the loan for. If you can afford to get it paid off early, of course you would. But, most people have no idea of what the difference is. Here, you can easily punch in the information that you need. Start with a 30 year mortgage, then see if you can afford the monthly payment for a 25 year or even a 15 year mortgage. Also, take note of the interest that you are losing each time that you lower the term.

You will find several websites that provide a calculator to use. Remember that they are not exact because they do not figure in taxes, insurances as well as any down payments that you may make on the home prior. Otherwise, this is an invaluable tool that every homeowner should take advantage of. Why not have the most information on your hands when you sign that mortgage note over? It takes literally seconds to get the answers that you need. Compare your options. Use a amortization calculator to do just that.

About the Author: Julie-Ann Amos is a freelance writer from London, UK, specialising in finance subjects such as loans, banking., mortgages, amortization, etc. She recommends use of an amortization calculator for calculations at http://www.amortization-calc.com.