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FREE HOME STAGING
Nicky Dou is an Accredited Home Staging Specialist (AHS)and here to help out with the staging of your home! Does your agent offer this?
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Nicky blends innovation and technology
“We believe that Nicky Dou's business model is one that will re-invent the way our real estate market functions."
"Baugh & Coombs Properties"
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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. Each financial calculator also includes a View Report option. The mortgage repayment schedule and other reports are fully customizable. These reports are designed for you to print out and keep... Adjustable Rate Mortgage Calculator
Adjustable rate mortgages can provide attractive interest rates, but your payment is not fixed. This calculator helps you to determine what your adjustable mortgage payments may be.
Definitions
- Mortgage amount
- Original or expected balance for your mortgage.
- Starting interest rate
- Initial annual interest rate for this mortgage.
- Term in years
- The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.
- Interest rate cap
- This is the highest interest rate allowed by your mortgage. Your actual interest rate will not be adjusted above this rate.
- Expected adjustment
- The amount you believe that your mortgage's interest rate will change. This amount will be added to or subtracted from your interest rate.
- Months between adjustments
- The number of payment periods between potential adjustments to your interest rate. The most common is 12 months, which means your payment could change at most once per year.
- Starting monthly payment
- Monthly principal and interest payment (PI) based on your beginning balance and starting interest rate.
- Total payments
- Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.
- Total interest
- Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.
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.
Making An Offer >Creative Offers
Putting together an offer on a home is easy if the buyer has a lot of money, a terrific job and impeccable credit. Many buyers are not in that precise situation, however. And while sellers like to get their asking price, good listing agents prepare them for the possibility of receiving offers that involve some compromises.
Successful real estate agents know how to put together creative offers and do whatever it takes to make a transaction work. If a buyer is low on cash, the agent may structure an offer that shifts closing costs to the seller, minimizing the amount of cash that the buyer needs to close. A variation of a lease purchase arrangement might be effective if a buyer has recently changed jobs or is self-employed. Owner-financing for part of the loan can make a difference in some cases. If your agent brings you a complex offer designed to get a buyer into your home, don't say "no" until you understand the offer.
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What is the world's tallest monument?
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The stainless steel Gateway Arch in St. Louis, MO, designed by architect Eero Saarinen and costing $29 million to build, is 630 feet high. |
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Nicky Dou - Serving Northwest Arkansas and You!
Century 21 Exclamation Realty
5206 Village Parkway, Suite 10
Rogers, AR 72758
Cell: 479.236.3457
Fax: 866-888-0955
Nicky@NickyDou.com
Nicky Dou is America's NUMBER1EXPERT in Northwest Arkansas. Nicky services Fayetteville, Bentonville, Rogers, Lowell, Springdale, Bella Vista, Beaver Lake, and surrounding areas in Northwest Arkansas. She continues to be at the top of sales in Arkansas and is a native to the area. Nicky is anything but ordinary when it comes to marketing a property. She is an out-of-the-box thinker and utilizes technology and creativity in everything she does. Nicky is in the top 1% of all Realtors in Northwest Arkansas and is the #1 Century 21 Agent in Arkansas!
Nicky offers the highest level of service and dedication - Let Nicky make YOU her Number 1 Client in Arkansas! Nicky Dou, Sr. Vice President, Executive Broker Century 21 Exclamation Realty. ePRO, ecoBroker, AHS (Home Staging Specialist)     
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