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    Mortgage: the facts you should know and how a mortgage calculator can help you

    August 27th, 2008 by bujes.marketing

    Mortgage refers to that contract, which helps you in buying property without paying the full value at once. When you take a mortgage loan, you pledge the property to the creditor as a security. The essence is that, if you fail to repay the loan, the lender can use the amortized property to get back his money.

    Important facts about mortgage:

    • Mortgages are generally related loans that are secured by any real estate property. Not only that, in most of the cases, people take mortgage loan for buying any residential or commercial real estate property.

    • In a few states, if you go for a mortgage, a lien is created on the title of the amortized property. If you want to foreclose that lien, then you are required to carry out judicial proceedings.

    • One mortgage instrument that has gained popularity in US is the deed of trust. In this case, a deed is provided to a trustee by the borrower, in order to secure the debt. In some cases, a mere lien is created on the title. But, in most of the states, it can be foreclosed without any judicial proceedings.

    • In California State, almost all the mortgages are deed of trust. The basic difference between a deed of trust and simple mortgage is that, the latter takes more time for foreclosure.

    Whatever mortgage option you opt for, it is better to calculate the amount of monthly payments that will go towards the mortgage before taking any final decision. A mortgage calculator can effectively help you in doing this.

    Facts about mortgage calculators:

    • With the help of mortgage calculator, you can assess your affordability. You can decide that whether you can afford a particular mortgage loan or not.

    • Using mortgage calculators, you can compare the costs of different mortgage loans and can take decisions accordingly.

    • If you put the total amount of your mortgage loan, the rate of interest payable and the repayment term period of the mortgage, in the mortgage calculator, you can find out the figure of your monthly payments.

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