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Office:(209)694-8781 Cell:(209) 559-0682
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Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.
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 Compare three mortgages at one time.
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Melissa Oliver and The O Team are
some of The Top Selling Real Estate Experts™
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Special Offers: Special offers for Tuolumne County, Calaveras County and Sonora homeowners
from Melissa Oliver and The O Team, top Realtors |
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Affiliates: Melissa Oliver and The O Team's real estate web site
affiliates |
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eNewsletter: Melissa Oliver and The O Team's Tuolumne County, Calaveras County and Sonora newsletter email will
send you the latest real estate information |
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Today's Real Estate News: Daily real estate news for this neighborhood, California, and
United States |
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Market Conditions Report: Market conditions report for this area, California, and
United States |
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Monthly Payments & Schedule: Monthly loan payments java
mortgage calculator |
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How Much Can You Afford?: Calculate how much home
you can afford with this financial calculator |
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Determine Tax Savings: Calculate how much your
monthly Tuolumne County, Calaveras County and Sonora California mortgage payments save you on your
taxes because of loan interest |
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Should You Rent or Buy?: Is it better to rent a
home in California or buy your own Tuolumne County, Calaveras County and Sonora house, ranch,
luxury property, condominium, acreage, or other real estate? |
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Adjustable Rate Mortgages: Adjustable rate Tuolumne County, Calaveras County and Sonora mortgages information and interest rate java calculator |
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What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage. |
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Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. |
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Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. |
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15 vs. 30 Yr Mortgages: 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. |
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How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out. |
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What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. |
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Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment. |
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TripleCalc: FREE Software
Download: TripleCalc lets you compare three loans at one time for your property
or other California real estate |
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Top National Real Estate Web Sites: Real Estate Web Sites
that include some unique sources of realty information, listings, and
more |
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Ask Anything: Ask Melissa Oliver and The O Team
anything real estate |
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NUMBER1EXPERTS: List of all the NUMBER1EXPERT
real estate agentss and realty professionals and brokers in the USA and Canada
with links to their personal web sites with homes for sale |
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Real Estate Tips: Melissa Oliver and The O Team's realty
library of real estate tips and advice on everything from preparing your home
for sale to negotiating with home buyers to escrow, closing costs, property
inspections, and mortgage brokers |
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Real Estate Trivia: Melissa Oliver and The O Team's collection of real estate trivia questions
and answers that include real estate topics such as the most expensive home,
largest swimming pool, and more |
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Real Estate Dictionary: Complete real estate
dictionary and glossary of realty words you'll use when you list and sell your
Tuolumne County, Calaveras County and Sonora property in California, including legal terms
definitions, and more |
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Financing Your Home >Your Mortgage
Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem.
More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt!
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Wells Fargo Home Mortgage
See what Max from Wells Fargo Home Mortgage can do .for you
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- NUMBER1EXPERTS™ 
