Thanks for making REMAX Number One 1 I have been a REMAX real estate agent and Realtor for many years. I feel it was the best decision that I ever made concerning my real estate career. The REMAX Brand has helped me a lot with name recognition provided our team with unparalleled training and support while establishing our long distinguished career selling homes in the Richmond Real Estate Market areas of Central Virginia. It has been very helpful for my real estate company The First REMAX Real Estate Team object styleheight 390px width 640pxparam namemovie valuehttpwww.youtube.comvn9u2mHbdOgI?version3param nameallowFullScreen valuetrueparam nameallowScriptAccess valuealwaysembed srchttpwww.youtube.comvn9u2mHbdOgI?version3 typeapplicationxshockwaveflash allowfullscreentrue allowScriptAccessalways width640 height390object

August 31, 2011, 6:30 pm

Richmond Real Estate Listings, Richmond Short Sales, Richmond Foreclosure Property

Richmond Real Estate and Richmond Homes for Sale in the Richmond Metro Area Richmond Bank Owned Foreclosed Real Estate Richmond REO Properties are included in these easy searches on our sister web site. h2One Click Richmond Virginia Area Real Estate Listings by Communityh2 These one click community organized searches include all short sale properties currently listed in the local MLS. These are distressed properties much like bank owned foreclosure listings in the Richmond area. The searches are organized by Community Richmond By Property Type Single Family Homes Condo Townhouses Multi Family Homes Land Farms Mobile Homes Income Producing Properties Commercial Vacation Homes Rental Homes Listing Type Resale New Construction Foreclosure Bank Owned Short Sale Lease Rent Auction Sorted by MLS Updated (newest listings first). div idcontentcommunityDescTemplate h2Richmond Homes for Saleh2 div script srchttpwww.realestatesearchvirginia.comwebcapturetypemediumrectangle typetextjavascriptscript Welcome to the a titleRichmond VA Real Estate and Richmond VA Homes for Sale in Richmond Virginia hrefhttpwww.realestatesearchvirginia.comRichmond homes and real estatea portal your single stop for finding a home in Richmond. Here you can search every available home for sale in Richmond. As of today there are many homes and properties for sale that are available to search. The number of homes changes daily so be sure to keep coming back right here to the best site for a titleRichmond VA Real Estate and Richmond VA Homes for Sale in Richmond Virginia hrefhttpwww.realestatesearchvirginia.comRichmond homes for salea. div div div div div div h2strongRichmond Listings Searchstrongh2 ul li strongstrongstronga hrefhttpwww.realestatesearchvirginia.comlistingsnewlistings1areas13365862646265626662676268626962706271627262736274627562766277627862796280628162826283134503134960138090628413606713327213410113850213867062856286CommunityRichmondpropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate20descRichmond New Listings astrongstrongstrongli li strongstrongstronga 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hrefhttpwww.realestatesearchvirginia.comlistingsareas1336586264626562666267626862696270627162756276627762796280628162821345031349601332721341011385021386706286CommunityCity20of20RichmondpropertytypeCONDOlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate20descCity of Richmond Condos amp Townhomes for Saleastrongstrongstrongli ul ul li strongstrongstronga hrefhttpwww.realestatesearchvirginia.comlistingsnewlistings1areas622762286229CommunityMidlothianpropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate20descMidlothian New Listingsastrongstrongstrongli li strongstrongstronga hrefhttpwww.realestatesearchvirginia.comlistingsareas622762286229CommunityMidlothianpropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeForeclosure20Bank20Ownedsortmlsupdatedate20descMidlothian Foreclosure Listingsastrongstrongstrongli li strongstrongstronga 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hrefhttpwww.realestatesearchvirginia.comlistingsareas13288361996200CommunityGlen20AllenpropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeForeclosure20Bank20Ownedsortmlsupdatedate20descGlen Allen Foreclosure Listingsastrongstrongstrongli li strongstrongstronga hrefhttpwww.realestatesearchvirginia.comlistingsareas13288361996200CommunityGlen20AllenpropertytypeSINGLElistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate20descGlen Allen Single Family Homes for Saleastrongstrongstrongli li strongstrongstronga hrefhttpwww.realestatesearchvirginia.comlistingsareas13288361996200CommunityGlen20AllenpropertytypeCONDOlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate20descGlen Allen Condos amp Townhomes for Saleastrongstrongstrongstrong strongli ul ul listronga hrefhttpwww.realestatesearchvirginia.comlistingsnewlistings1areas6221CommunityManakin20SabotpropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descManakin Sabot New Listingsastrongli listrongstrongstronga hrefhttpwww.realestatesearchvirginia.comlistingsareas6221CommunityManakin20SabotpropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeForeclosure20Bank20Ownedsortmlsupdatedate20descManakin Sabot Foreclosure Listingsastrongstrongstrongli listronga hrefhttpwww.realestatesearchvirginia.comlistingsareas6221CommunityManakin20SabotpropertytypeSINGLElistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descManakin Sabot Single Family Homes for Saleastrongli ul ul li strongstrongstronga hrefhttpwww.realestatesearchvirginia.comlistingsnewlistings1areas62266230CommunityMechanicsvillepropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate20descMechanicsville New Listingsastrongstrongstrongli li strongstrongstronga hrefhttpwww.realestatesearchvirginia.comlistingsareas62266230CommunityMechanicsvillepropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeForeclosure20Bank20Ownedsortmlsupdatedate20descMechanicsville Foreclosure Listingsastrongstrongstrongli li strongstrongstronga hrefhttpwww.realestatesearchvirginia.comlistingsareas62266230CommunityMechanicsvillepropertytypeSINGLElistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate20descMechanicsville Single Family Homes for Saleastrongstrongstrongli li strongstrongstronga hrefhttpwww.realestatesearchvirginia.comlistingsareas62266230CommunityMechanicsvillepropertytypeCONDOlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate20descMechanicsville Condos amp Townhomes for Saleastrongstrongstrongli ul ul li stronga hrefhttpwww.realestatesearchvirginia.comlistingsnewlistings1areas622762286229623362796280628162821420986401640264056407CommunityChesterfield20CountypropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descChesterfield County New Listingsastrongli li stronga hrefhttpwww.realestatesearchvirginia.comlistingsareas622762286229623362796280628162821420986401640264056407CommunityChesterfield20CountypropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeForeclosure+Bank+Ownedsortmlsupdatedate+descChesterfield County Foreclosure Listingsastrongli li stronga hrefhttpwww.realestatesearchvirginia.comlistingsareas622762286229623362796280628162821420986401640264056407CommunityChesterfield20CountypropertytypeSINGLElistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descChesterfield County Single Family Homes for Saleastrongli li stronga hrefhttpwww.realestatesearchvirginia.comlistingsareas622762286229623362796280628162821420986401640264056407CommunityChesterfield20CountypropertytypeCONDOlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descChesterfield County Condos amp Townhomes for Saleastrongli ul ul li stronga hrefhttpwww.realestatesearchvirginia.comlistingsnewlistings1areas13288361996200620962486271627262736274627562766278628313809062841360671420916285CommunityHenrico20CountypropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descHenrico County New Listingsastrongli li stronga hrefhttpwww.realestatesearchvirginia.comlistingsareas13288361996200620962486271627262736274627562766278628313809062841360671420916285CommunityHenrico20CountypropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeForeclosure+Bank+Ownedsortmlsupdatedate+descHenrico County Foreclosure Listingsastrongli li stronga hrefhttpwww.realestatesearchvirginia.comlistingsareas13288361996200620962486271627262736274627562766278628313809062841360671420916285CommunityHenrico20CountypropertytypeSINGLElistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descHenrico County Single Family Homes for Saleastrongli li stronga hrefhttpwww.realestatesearchvirginia.comlistingsareas13288361996200620962486271627262736274627562766278628313809062841360671420916285CommunityHenrico20CountypropertytypeCONDOlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descHenrico County Condos amp Townhomes for Saleastrongli ul ul li stronga hrefhttpwww.realestatesearchvirginia.comlistingsnewlistings1areas61766180619562056226623062451328116263CommunityHanover20CountypropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descHanover County New Listingsastrongli li stronga hrefhttpwww.realestatesearchvirginia.comlistingsareas61766180619562056226623062451328116263CommunityHanover20CountypropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeForeclosure+Bank+Ownedsortmlsupdatedate+descHanover County Foreclosure Listingsastrongli li stronga hrefhttpwww.realestatesearchvirginia.comlistingsareas61766180619562056226623062451328116263CommunityHanover20CountypropertytypeSINGLElistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descHanover County Single Family Homes for Saleastrongli li stronga hrefhttpwww.realestatesearchvirginia.comlistingsareas61766180619562056226623062451328116263CommunityHanover20CountypropertytypeCONDOlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descHanover County Condos amp Townhomes for Saleastrongli ul ul li stronga hrefhttpwww.realestatesearchvirginia.comlistingsnewlistings1areas6179619061916203620413349462206221623962496251CommunityGoochland20CountypropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descGoochland County New Listingsastrongli li stronga hrefhttpwww.realestatesearchvirginia.comlistingsareas6179619061916203620413349462206221623962496251CommunityGoochland20CountypropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeForeclosure+Bank+Ownedsortmlsupdatedate+descGoochland County Foreclosure Listingsastrongli li stronga hrefhttpwww.realestatesearchvirginia.comlistingsareas6179619061916203620413349462206221623962496251CommunityGoochland20CountypropertytypeSINGLElistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descGoochland County Single Family Homes for Saleastrongli ul ul li stronga hrefhttpwww.realestatesearchvirginia.comlistingsnewlistings1areas1388786242CommunityPowhatan20CountypropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descPowhatan County New Listingsastrongli li stronga hrefhttpwww.realestatesearchvirginia.comlistingsareas1388786242CommunityPowhatan20CountypropertytypeSINGLECONDOMULTILANDFARMMOBILEINCOMECOMVACRENTALlistingtypeForeclosure+Bank+Ownedsortmlsupdatedate+descPowhatan County Foreclosure Listingsastrongli li stronga hrefhttpwww.realestatesearchvirginia.comlistingsareas1388786242CommunityPowhatan20CountypropertytypeSINGLElistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate+descPowhatan County Single Family Homes for Saleastrongli ul div div div div div div div div div div ul lia titleAmelia Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaAmeliaAmelia Real Estateali lia titleAmelia County Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaAmelia+CountyAmelia County Real Estateali lia titleAmelia Court House Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaAmelia+Court+HouseAmelia Court House Real Estateali lia titleAshland Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaAshlandAshland Real Estateali lia titleBeaverdam Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaBeaverdamBeaverdam Real Estateali lia titleBon Air Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaBon+AirBon Air Real Estateali lia titleBumpass Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaBumpassBumpass Real Estateali lia titleCarson Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaCarsonCarson Real Estateali lia titleCharles City Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaCharles+CityCharles City Real Estateali lia titleCharles City County Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaCharles+City+CountyCharles City County Real Estateali lia titleChester Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaChesterChester Real Estateali lia titleChesterfield Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaChesterfieldChesterfield Real Estateali lia titleChesterfield County Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaChesterfield+CountyChesterfield County Real Estateali lia titleChurch Road Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaChurch+RoadChurch Road Real Estateali lia titleCity of Richmond Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaCity+of+RichmondCity of Richmond Real Estateali lia titleColonial Heights Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaColonial+HeightsColonial Heights Real Estateali lia titleCrozier Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaCrozierCrozier Real Estateali lia titleDewitt Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaDewittDewitt Real Estateali lia titleDinwiddie Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaDinwiddieDinwiddie Real Estateali lia titleDisputanta Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaDisputantaDisputanta Real Estateali lia titleDoswell Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaDoswellDoswell Real Estateali lia titleFort Lee Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaFort+LeeFort Lee Real Estateali lia titleGlen Allen Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaGlen+AllenGlen Allen Real Estateali lia titleGoochland Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaGoochlandGoochland Real Estateali lia titleGoochland County Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaGoochland+CountyGoochland County Real Estateali lia titleHadensville Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaHadensvilleHadensville Real Estateali lia titleHanover Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaHanoverHanover Real Estateali lia titleHanover County Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaHanover+CountyHanover County Real Estateali lia titleHenrico Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaHenricoHenrico Real Estateali lia titleHenrico County Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaHenrico+CountyHenrico County Real Estateali lia titleHopewell Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaHopewellHopewell Real Estateali lia titleLouisa Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaLouisaLouisa Real Estateali lia titleLouisa County Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaLouisa+CountyLouisa County Real Estateali lia titleMacon Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaMaconMacon Real Estateali lia titleMaidens Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaMaidensMaidens Real Estateali lia titleManakin Sabot Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaManakin+SabotManakin Sabot Real Estateali lia titleMechanicsville Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaMechanicsvilleMechanicsville Real Estateali lia titleMidlothian Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaMidlothianMidlothian Real Estateali lia titleMineral Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaMineralMineral Real Estateali lia titleMontpelier Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaMontpelierMontpelier Real Estateali lia titleMoseley Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaMoseleyMoseley Real Estateali lia titleNew Kent Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaNew+KentNew Kent Real Estateali lia titleNew Kent County Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaNew+Kent+CountyNew Kent County Real Estateali lia titleOilville Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaOilvilleOilville Real Estateali lia titlePetersburg Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaPetersburgPetersburg Real Estateali lia titlePowhatan Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaPowhatanPowhatan Real Estateali lia titlePowhatan County Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaPowhatan+CountyPowhatan County Real Estateali lia titlePrince George Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaPrince+GeorgePrince George Real Estateali lia titleRichmond Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaRichmondRichmond Real Estateali lia titleRockville Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaRockvilleRockville Real Estateali lia titleSandston Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaSandstonSandston Real Estateali lia titleSandy Hook Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaSandy+HookSandy Hook Real Estateali lia titleStony Creek Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaStony+CreekStony Creek Real Estateali lia titleSutherland Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaSutherlandSutherland Real Estateali lia titleTrevilians Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaTreviliansTrevilians Real Estateali lia titleWilsons Real Estate hrefhttpwww.realestatesearchvirginia.comcommunityareaWilsonsWilsons Real Estateali ul div div

August 31, 2011, 6:00 pm

Buying a Home in Louisa Virginia

Over the past years a large number of people have moved near Lake Anna one of Central Virginias best fishing spots which makes a titleLouisa County Homes for Sale hrefhttpwww.realestatesearchvirginia.comlistingsareas618462196231136808CommunityLouisa20CountypropertytypeSINGLElistingtypeResale20NewForeclosure20Bank20OwnedShort20SaleLease20RentAuctionsortmlsupdatedate20descLouisa real estatea a good prospect for investment. Louisa is a small town where the North Anna Nuclear Power Station resides. The power plant has been the job source of many of its community members. In Louisa Virginia youll also find an international community called Twin Oaks Community sitting on a 465acre property. With its diversity and old town charm a titleLouisa County Real Estate amp Homes for Sale hrefhttpwww.realestatesearchvirginia.comcommunityareaLouisa+Countyhouses for sale in Louisaa Virginia do make a great home for families looking for an amiable neighborhood. Before you go house hunting here are some things every homebuyer should consider h2Are you ready to buy a Louisa home?h2 This is the most basic but also the most important question to ask yourself. Before you go shopping for houses for sale in Louisa you need to have a stable income source and a downpayment to cut the cost of your mortgage. A good credit score will also be necessary for lower interest rates on your loan and better terms. Get a feel of the Louisa real estate market. If theres appreciation in house values over the past few years you might want to wait until homes for sale in Louisa are offered at a more affordable rate. Get your hands on some market analysis reports and some listing services for home prices in the area. This will give you an idea about the kind of home you can afford and if it is the right time to buy. h2Do the mathh2 There is a lot to consider in the cost of buying a home. Aside from the mortgage there are property taxes and homeowners insurance that will add to the total purchase cost. Also consider the closing price and be very careful with your opening bid if you want to make a good deal. An experienced Realtor or agent can help you with this. h2Consider Louisa foreclosuresh2 The foreclosure market gives you more choices for lowerpriced Louisa real estate but dont expect huge savings as these options also come with many hidden costs. h2Work with an experienced Louisa real estate agenth2 Make sure that the agent you hire is a neighborhood specialist to give you the best options and to walk you through the entire process smoothly. Your Louisa real estate agent shouldnt rush you into buying a property but should be patient enough to help you find what youre looking for according to your budget and home wish list.

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Your Mortgage - 15, 30, & 40 Year Loans

Are 40-year mortgages a good idea?

The difference in payments and overall savings between a 15-year fixed-rate loan and a 30-year fixed-rate loan depends on the interest rate and the loan amount.

Smaller monthly payments are the primary advantage of adding 10 years to the traditional 30-year mortgage, but real estate experts say the shorter-term loan usually is more beneficial for the home buyer. The drawback becomes apparent simply by calculating the cost of additional interest payments, which can total thousands for a few dollars difference in mortgage difference in mortgage payments.

What about splitting my mortgage in two and paying bi-weekly?

Some people set on paying off their home loan early and reducing interest charges opt for a biweekly mortgage. Monthly payments are divided in half, payable every two weeks. Because there are 52 weeks in a year, the program results in 26 half-payments, or the equivalent of 13 monthly payments per year instead of 12. Using the biweekly payment system, a homeowner with a $70,000, 30-year biweekly mortgage at 10 percent interest could save $60,000 in interest and pay off the balance in less than 21 years.

What about a 15-year v. 30-year loan?

The difference in payments and overall savings between a 15-year fixed-rate loan and a 30-year fixed-rate loan depends on the interest rate and the loan amount. Using a $100,000 loan and 7.25% interest rate as an example, monthly payments on the 15-year note would be $912.86. Monthly payments on a $100,000 loan at 7.25% fixed for 30 years would be $682.18. The 15-year note offers the opportunity to save considerable money over the life of the loan, since the period of amortization is half that of the 30-year note. This means that the total interest paid on a 15-year note as compared to a 30-year note is significantly less. However, calculating the overall savings of the 15-year note over the 30-year note depends on several individual circumstances, such as the borrower's changing income status.

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