4/13/17
Why JohnsMortgage.com?
There are plenty of mortgage websites on the internet today. We at Johnsmortgage.com believe we have something that is different than any other site. What we lack in style we make up in substance. Also while we do work hard to make the site useful, we also like to receive your calls and questions. Everyone’s situation is different, so please call 205-266-5669 if you need anything or if we can help in any way.
Here is what we have:
Home Page
This site is the launching pad for all of the information on the site. You can find this site by clicking on the following link:https://www.johnmarbury.com/
Rates & Mortgage News
Rates posted Daily along with mortgage news updated all during the day. You can find this site by clicking on the following link:https://www.johnmarbury.com/post/?
Calculators Galore
To see them all click on the following link: https://www.johnmarbury.com/calculators/
Payment Calculator
You might want to start off with a payment calculator. You can put in the term, interest rate, loan amount, taxes and insurance. If you do not know the answers to these questions then guess. This calculator will show you how the numbers change with different numbers. So play with this calculator, you cannot break it
You can find this site by clicking on the following link:https://www.johnmarbury.com/calculator/How-Much-Are-My-Payments
Purchaser’s Calculator
This calculator has a lot of information on, so don’t be surprised if it takes a while to download. This is a conventional loan calculator. You will need the following information to make the calculator work.
Sales Price (If you do not have a specific sales price feel free to guess)
Down Payment (this is a conventional loan calculator, so the down payment needs to be at least 5%. The calculator will not allow you to move forward on any down payment that does conform to guidelines. Loans over $424,100 require a larger down payment)
Seller Paid closing costs
Proposed closing Date
County
City
You can find this site by clicking on the following link:http://www.johnsmortgagecalculator.com/purchasers_calculator
Seller’s Calculator
Sales Price (If you do not have a specific sales price feel free to guess)
Property Debt (It does not have to be exact to get a good estimate)
Seller Paid Closing Costs (You have to put a number in this blank even if it is $0)
Agent’s commission (This is a negotiated item typically up to $100,000 is 7%, up to $500,000 is 6% and $500,001 and above is 5%)
Proposed Closing Date
Property Location
You can find this site by clicking on the following link:http://www.johnsmortgagecalculator.com/sellers_calculator
Amortization Calculator
Want to see how your loan amortizes, we just need the principal (loan amount)
Interest rate (see our rate sheet to find out current rates)
Length of the loan (Play with different numbers)
You can find this site by clicking on the following link:https://www.johnmarbury.com/calculator/Amortization
Interest only calculator
Want to see how you home equity line works. We just need the amount you owe. Your interest rate. Currently prime is at 4%, and the length of your loan. Let’s just assume 10 years. If you want to see what happens when you add an additional, put a number in that field.
You can find this site by clicking on the following link:https://www.johnmarbury.com/calculator/Interest-Only-Calculator
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