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Summer's in the air !!!! Ever thought of selling or buying ? Contact Philip LeMay's office at 819-684-2000.

Special Offers
Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Testimonials
Communication Excellente
Ce fut une très bonne expérience et je suis très satisfait
Dr. Charbonneau
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TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Philip LeMay is one of The Top Selling Real Estate Experts™
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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.
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Affiliates
Philip LeMay's Group/Le Groupe Philip LeMay
Buyer's agent, sale coordinator, listing coordinator, messenger/photographe expert
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Mortgage Calculators
Welcome > Resources > Mortgage Calculators > 15 vs. 30 Year Mortgages ...

The Best Mortgage Calculators On the Web! 

Please try my Java loan and mortgage calculators. They take a minute to load, but they are worth it! 

Each calculator has dynamic graphs and charts that change - right before your eyes - as you enter different information. Try each calculator with different interest rates, loan amounts, and payment schedules. 

The mortgage repayment schedule and other reports are fully customizable - just for your home, your interest rate, your loan amount, your taxes, and more. 

Would you like a print out, for your records and future reference? Each calculator includes a View Report button. Click it, hit print, and you have a report, customized just for you... 

15 vs. 30 Yr Mortgages

Determining which mortgage term is right for you can be a challenge. With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.

This Financial Calculator requires a Browser with Java Support



Definitions

Mortgage amount
Original or expected balance for your mortgage.

Interest rate
Annual interest rate for your mortgage. Interest rates are generally lower for shorter term mortgages.

Marginal tax rate
This is your combined state and federal tax rate. This is used to calculate your potential income tax savings by deducting your mortgage interest.

Monthly payment
Monthly principal and interest payment (PI). Both 30 year and 15 year mortgages are shown.

Total payments
Total of all monthly payments over the full term of the mortgage. Both 30 year and 15 year mortgages are shown.

Total interest
Total of all interest paid over the full term of the mortgage. Both 30 year and 15 year mortgages are shown.

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 Aylmer, Hull and Gatineau, Quebec
"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

Quebec Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Aylmer, Hull and Gatineau 



Real Estate Tips
Selling Your Home >Locating A Buyer

Listing your home with our agency gives you the advantage of having a team of experts apply themselves to the task of finding you a buyer as quickly as possible. In the process, we try to arrange showing appointments that are convenient to both parties, but it does not always work out that way.

Last-minute appointments are sometimes necessary because buyers who are relocating from other areas are often on tight schedules. This can be annoying to sellers unless they understand the nature of the real estate agent's job. When selling homes, we sometimes have to rely on our intuition. Many sales have been consummated as the result of last-minute appointments.

The prospective buyer who is on a very short house hunting trip may need a house now! In this kind of situation, the real estate agent can make things can happen fast! So when the phone rings at the last-minute, keep in mind that the appointment represents an opportunity for the sale.

See All Tips In The "Selling Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Where was the famous final airport scene in the 1942 classic "Casablanca" filmed?

A 
The scene where Humphrey Bogart says goodbye to Ingrid Bergman was actually shot on the east side of the Van Nuys Airport.
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Philip LeMay, REALTOR®, real estate agents and broker for Aylmer, Hull and Gatineau, Quebec home listings, property and land for sale - NUMBER1EXPERT(tm)

Philip LeMay
Royal Lepage Vallée de L'Outaouais PL

152 Principale
Gatineau, QC. J9H 3M8
Phone: 819-684-2000
Fax: 819-684-3000
Email: philiplemay@NUMBER1EXPERT.com

www.philiplemay.com


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