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For more Information on these homes, contact Renowned Property Specialist Pamela Lieb at 310-375-9831 or e-mail: Pamela@PamelaLieb.com
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Find Out About the Latest Homes for Sale First!
Pamela adds her newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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"You are such a productive, knowledgeable & nice agent. I really appreciate you!"
Sandra Sanders, Broker/Owner ReMax Palos Verdes
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 Compare three
mortgages at one time. Download TripleCalc now. It's free. |
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Thomas J. Lieb, C.P.A., Mortgage Broker
C.P.A. expertise and outstanding financial services are provided to help you choose the right loan program that will be a perfect fit.
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The Best Mortgage Calculators On the Web!  In order to facilitate your purchase of your new home in the Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills Estates, Rolling Hills, Manhattan Beach, Hermosa Beach, Redondo Beach, Torrance and San Pedro, please try my 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... A reminder that these "self-help" tools are helpful but not a substitute for personal advice from an experienced mortgage broker. The services of Tom Lieb, C.P.A., Mortgage Broker are complimentary. Why not consult with an experienced C.P.A. who can find the best loan program for your personal needs? Tom provides all buyers with a detailed Home Buyers Analysis that includes the tax benefits of each loan program. Call Thomas J. Lieb, C.P.A., Mortgage Broker for immediate and direct assistance with your new mortgage: 310-544-1248. Tom may also be reached by e-mail: tom@tjlcpas.com
What Is Your APR?
Use this calculator to determine the Annual Percentage Rate (APR) for your mortgage. Press the report button for a full amortization schedule, either by year or by month.
Definitions
- Annual Percentage Rate (APR)
- A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate may be a bad value if its fees are too high. Likewise, a loan with a higher stated rate with very low fees could be an exceptional value. APR calculations incorporate these fees into a single rate. You can then compare loans with different fees, rates or different terms.
- Mortgage amount
- Original or expected balance for your mortgage.
- Interest rate
- Annual interest rate for this mortgage.
- Term in years
- The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.
- Monthly payment
- Monthly principal and interest payment (PI).
- Total payments
- Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.
- Total interest
- Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.
- Loan origination percent
- The percent of your loan charged as a loan origination fee. For example, a 1% fee on a $120,000 loan would cost $1,200.
- Discount points
- Total number of "points" purchased to reduce your mortgage's interest rate. Each "point" costs 1% of your loan amount.
- Other fees
- Any other fees that should be included in the APR calculation. These fees can vary by lender, but at a minimum usually includes prepaid interest.
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.
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Home Inspections >If It Is Broken Fix It
Most houses have a few "little" problems, like leaking faucets, a stove burner that won't light, or electrical outlets with too much "spark". These defects may not seem very important--unless your house is about to go on the market.
We rarely have difficulty getting sellers to agree to paint, replace worn carpets or plant a few flowers in the front yard. These kinds of repairs obviously increase the overall appeal of the property. However, if any of the major systems in your home need maintenance, it is also prudent to have the necessary repairs made. Have your furnace, central air-conditioning system, plumbing and wiring checked as part of your pre-marketing efforts. The best rule is--if it's broken, fix it!
The purchase agreement requires that a house be conveyed with all the systems in working order, and most buyers will bring in a home inspector to identify any potential problems. During the period of time between the "meeting of the minds" and the removal of the inspection contingencies, the buyers are the most vulnerable to an attack of buyer's remorse. This is also the time when anything that hasn't been repaired could become a major issue.
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Pamela Lieb
RE/MAX Palos Verdes Realty
25550 Hawthorne Blvd Suite 100
Torrance, CA 90505
DRE# 00779647
Office: 310-375-9831
Fax: 866-319-6577
Cell: 310-683-9743
PamelaLieb@NUMBER1EXPERT.com
Pamela Lieb, CRS, GRI, CLHMS, QSC, Re/Max Palos Verdes Real Estate Broker with over 25 years of experience in the representation of unique estate properties in the prestigious communities of Palos Verdes Estates, Rolling Hills, Rolling Hills Estates and Rancho Palos Verdes, as well as the South Bay Beach Cities, Torrance, and San Pedro. Pamela's extensive knowledge of the South Bay enables her to excel at matching clients to the perfect home. Pamela is dedicated to serving the needs of her clients with discretion and attentive service. A favor of reply is requested to join Pamela's distinguished client list: 310.544.1365 or e-mail Pamela at Pamela@PamelaLieb.com   
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