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mortgage web site   Calculators and Tools
We have put together many calculators and tools to help you make sense of the numbers. They are all easy and fun to use.

Standard Calculator
Calculate monthly payments of how much your home will cost you with this nifty calculator.

How Much House Can I Afford Calculator
By using a simple formula you can get an idea of how much house you can afford. Of course, your mortgage broker can help you the most at determining this.

Amortization Calculator
See the principal balance change as payments are made. This will show you how much you will owe on your house in "X" amount of years. Also, see how much of your payment is being applied to the principal and how much is being applied to the interest. Most of your payment in the beginning of the loan pays the interest of the loan. Use the Bi-Weekly calculator to see how much you can save by making mortgage payments every 4 weeks as opposed to every month. You will be surprised at what a difference this can make.

Interest Only Calculator
An Interest only mortgage calculator calculator helps the homebuyer calculate his monthly payments on this type of loan. The monthly payments may be lowered by as much as 30% by this type of loan.

Bi-Weekly Calculator
Use this calculator to see how much money you can save on your mortgage by making payments every 2 weeks instead every month. You can also shorten the term of the loan by using this process.

Refinance Calculator
This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.

Credit Card Minimum Payment Interest Calculator
This calculator will show you how much interest you will end up paying if you make only the minimum required payment on your credit card bill. It will also tell you how many minimum payments you will make before your balance is paid off (up to a maximum of 600 payments).



 

Bay Financial Company 220 Baldwin Ave, San Mateo, CA 94401
Tel. 650-685-5815, fax. 650-685-5821
info@bayfin.com