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ESTAPLACE.COM REAL ESTATE - FREE LISTING SERVICE -
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Nesgroup address: misc.consumers.house - Date & Time for the message: 1 Jul 2005 11:18:53 -0700
/ Author of the message: sffleague@yahoo.com |
Title of the message: |
A question about mortgage principal and interest
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Text of the message: |
I've been reading so much about mortgage refinancing that I think I'm confusing myself. We currently have a 30-year mortgage at 6.375% on a house that we've only been in for a year. The monthly PITI is about $1100. We've found that we can afford pay an extra $300 of principal each month, so the total payment is $1400. Now I'm finding that I can refinance to a "no cost" loan at 5.5% on a 15-year ($1330 PITI) or 5.875% on a 30-year ($1029 PITI). We're in our early 30's, no children, no debt aside from the house. But we also really can't say how long we'll be in the home. Almost definitely not for the life of the loan, probably not more than 5 years. I know that, at the very least, we should do one of the no-cost refinancings and get the instant savings. But here's what I'm sure is the dumb question-- according to the amortization calendar, I currently |
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Estaplace.com is one the Ceglia Giovanni projects, started on 20 July 2005, and online since 20 August as a real estate platform for listings, mainly operating on the Italian and American/English market in the Internet, Estaplace would like to become the point of referiment for home sellers and home buyers, a site where private owners or real estate agencies can have the possibility to show their offers to the world. Estaplace.com is only one of the Giovanni Ceglia's sites. Everyday Giovanni Ceglia works to improve new Internet tools and services for online marketing and business. Estaplace.com will become the biggest portal for real estate business and investments online.