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Calculators
Amortization
The process of gradually paying off a mortgage through scheduled payments over a set period.
Appraisal
An estimate of a property's market value conducted by a professional appraiser.
Balloon Payment
A large lump-sum payment due at the end of a loan term.
Bridge Loan
A short-term loan used to cover financial gaps when buying a new home before selling the old one.
Closing Costs
Fees associated with finalizing a mortgage, including legal fees, title insurance, and appraisal costs.
Conventional Mortgage
A mortgage where the borrower makes a down payment of at least 20%, avoiding the need for mortgage default insurance.
Debt-to-Income Ratio (DTI)
A measure comparing a borrower's monthly debt payments to their gross income.
Down Payment
The upfront amount paid towards a home's purchase price, typically a percentage of the total.
Equity
The difference between a home's market value and the outstanding mortgage balance.
Fixed-Rate Mortgage
A loan with a constant interest rate throughout the mortgage term.
Foreclosure
A legal process where a lender takes possession of a property due to missed mortgage payments.
Insurable Mortgage
A mortgage with a down payment of 20% or more that meets certain criteria, allowing the lender to insure it.
Insured Mortgage
A mortgage where the borrower makes a down payment of less than 20%, requiring mortgage default insurance.
Interest Rate
The percentage charged by a lender for borrowing money.
Loan-to-Value Ratio (LTV)
A ratio comparing the mortgage amount to the property's appraised value.
Mortgage Insurance
Insurance that protects the lender in case of borrower default, often required for low-down-payment loans.
Pre-Approval
A lender's conditional commitment to provide a mortgage based on a borrower's financial information.
Uninsured Mortgage
A mortgage with a down payment of at least 20% that doesn't require mortgage default insurance, often used for properties over $1 million or rental properties.
Variable-Rate Mortgage
A mortgage with an interest rate that fluctuates based on market conditions.
Real Estate Tools and Resources
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REMAX® Your Community Realty, Brokerage*
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