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Kathy and Brian Boals

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All agents are NOT alike! Find out why we are top real estate experts. Call us: 805-446-4200.

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“From our trips back into the old neighborhood, we feel lucky that we sold at just the right time this year.”
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Mortgage Calculators
Welcome > Resources > Mortgage Calculators > 15 vs. 30 Year Mortgages ...

The Best Mortgage Calculators On the Web! 

Please try our 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. Try each calculator with different interest rates, loan amounts, and payment schedules. 

The mortgage repayment schedule and other reports are fully customizable - just for your home, your interest rate, your loan amount, your taxes, and more. 

Would you like a print out, for your records and future reference? Each calculator includes a View Report button. Click it, hit print, and you have a report, customized just for you... 

15 vs. 30 Yr Mortgages

Determining which mortgage term is right for you can be a challenge. 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, and let us help you decide which term is better for you.

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Definitions

Mortgage amount
Original or expected balance for your mortgage.

Interest rate
Annual interest rate for your mortgage. Interest rates are generally lower for shorter term mortgages.

Marginal tax rate
This is your combined state and federal tax rate. This is used to calculate your potential income tax savings by deducting your mortgage interest.

Monthly payment
Monthly principal and interest payment (PI). Both 30 year and 15 year mortgages are shown.

Total payments
Total of all monthly payments over the full term of the mortgage. Both 30 year and 15 year mortgages are shown.

Total interest
Total of all interest paid over the full term of the mortgage. Both 30 year and 15 year mortgages are shown.

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.



School Reports in Thousand Oaks and Newbury Park, California
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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California Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Thousand Oaks and Newbury Park 



Real Estate Tips
Titles >Ways to Hold Title

When two or more people purchase property together, there are three ways that the title can be held. Knowing the implications of each form of ownership will help you decide how to write your deed.

"Tenancy by the entireties" is reserved exclusively for married people. Both husband and wife own an undivided interest in the property. On the death of one party, the surviving spouse owns the entire property and no probate will be necessary. When unmarried persons buy a home together, they should seek legal advice regarding how title should be held. As "tenants in common" each party owns a percentage interest in the property. On the death of one party his or her interest does not go to the surviving owner but is distributed in accordance with the will of the deceased, whose estate must be probated. As "joint tenants" each party owns an undivided, equal interest that passes automatically to the surviving joint tenant. Probate is not necessary if the deed reads "joint tenants with rights of survivorship".

It is important to know that in most courts, if a deed is written without specification of how title is held, the property is titled as "tenants in common."

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Real Estate Trivia
Q 
Where is the world's tallest apartment block?

A 
The 100-story John Hancock Center in Chicago, Illinois is 1,127 feet high; floors 44 through 92 are residential.
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Kathy and Brian Boals, REALTOR®, real estate agent and broker for Thousand Oaks and Newbury Park, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Kathy and Brian Boals
RE/MAX Olson/Advantage Realty/Dos Vientos Realty

280 E. Thousand Oaks Blvd, Ste B
Thousand Oaks, CA 91360
805-446-4200
email: ARE@roadrunner.com

In 1988 Kathy and Brian opened their own real estate brokerage office. They are a dynamic husband and wife team and have developed their own unique agent and client support system for marketing, escrow management, property management, and seller and buyer services, and mortgage lending. "We have committed ourselves to providing the detailed supervision and care of each and every transaction we handle, which is necessary to protect our clients and comply with all legal aspects of each sale. We have also established strong relationships with leading Escrow companies, Title companies, property inspection services, and other services our clients need.We provide a personal touch and not a corporate environment for our clients and customers." Kathy and Brian have a passionate vision of service and are ready to be of assistance with integrity and honesty to their clients.

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