Boston, Brookline and Newton real estate and homes for sale in Massachusetts - Ward Shifman, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
Contact Information
Email Ward Shifman
Login
Go To Sitemap
Ward Shifman




All agents are NOT alike! Find out why I am a top real estate expert. Call me: 617-633-7703.

Latest Listings
Get the Latest Listings Before Anyone Else!
As soon as I list another home for sale, I'll email you. You'll know first.
Name:
Email:
Real Estate - Homes - NUMBER1EXPERTS Sell More!
Ward Shifman is one of The Top Selling Real Estate Experts™
Find Out More >


Mortgage Calculators
Welcome > Resources > Mortgage Calculators > Buying Points ...

 

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.



School Reports in Boston, Brookline and Newton, Massachusetts
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

Massachusetts Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Boston, Brookline and Newton 



Real Estate Tips
Curb Appeal >Landscaping Your Home

Many buyers call a realestate office for information on a home after reading an appealing description of the property, or seeing a photograph of the exterior of the home on the real estates website. The exterior of your house and your yard will create the first impression for prospective buyers when they drive up to your house. Spending money on landscaping can bring you excellent returns when you sell your home.

You don't have to spend a fortune or develop an elaborate landscaping plan to make your front yard look terrific. If the yard is neatly mowed and trimmed and there are colorful plants blooming, the outside appearance of your home will make a good impression. A local nursery can help you select plants that will grow well and require minimal care. If you are planning to make any permanent changes or additions to your property, ask for advice from your real estate agent.

See All Tips In The "Curb Appeal" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Who is "Fannie Mae" and why is she a big name in real estate?

A 
"Fannie Mae" is the real estate industry nickname for FNMA, or Federal National Mortgage Association, the stockholder-owned corporation that purchases mortgages from mortgage lenders.
See More Real Estate Trivia >


Print This Page Send To A Friend


Ward Shifman, REALTOR®, real estate agent and broker for Boston, Brookline and Newton Massachusetts home listings, property and land for sale - NUMBER1EXPERT(tm)

Ward Shifman

10 Langley Road
Newton Centre, MA. 02459
Phone: 617-633-7703
Fax: 617-762-4067
Email: wardshifman@NUMBER1EXPERT.com

"Ward's refined style and performance in our behalf has completely revised my impression of the realty profession." Feedback such as this from Ward's clients is evidence of his strong customer care, effective listening and communication, as well as effective marketing strategies. Ward was the first agent to join William Raveis in Massachusetts, and is a consistent top producer both with-in the company and amongst all Massachusetts brokers. Ward services the Boston, Brookline, and Newton areas, along with Cambridge, Wellesley, the North Shore, South Shore, and many other neighborhoods. Ward's expertise is not just in sales, but in every aspect of real estate--this unique service will help you make the connections towards accomplishing your real estate goals.

Equal Housing MLS REALTOR


www.WardMovesBoston.com is brought to you by Ward Shifman
NUMBER1EXPERT™ in real estate for Boston, Brookline and Newton, Massachusetts

Read Ward Shifman's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge



USA and Canada Real Estate - NUMBER1EXPERT
NUMBER1EXPERT®
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.

www.WardMovesBoston.com is brought to you by Ward Shifman