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Scott Ingraham Real Estate Group, REALTORŪ, real estate agents and broker for Panama City Beach and Panama City Florida home listings, property and land for sale - NUMBER1EXPERT(tm)
Call us: 850-249-7355 or Toll Free 888-836-8551

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Resources: Panama City Beach and Panama City Florida home buying, real estate listings, and homes for sale in Bay County, FL
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Link Partners: link partners for Scott Ingraham Real Estate Group, top Realtors
Special Offers: Special offers for Panama City Beach and Panama City homeowners from Scott Ingraham Real Estate Group, top Realtors
Pod Cast: More information on Pod Cast... Click Here
Affiliates: The Scott Ingraham Real Estate Groups' real estate web site affiliates
eNewsletter: The Scott Ingraham Real Estate Groups' Panama City Beach and Panama City newsletter email will send you the latest real estate information
Attractions: Aquariums, Museums & Zoos... Find out all the latest ‘must see’ Panama City Attractions...
Calendar of Events: What is happening in Panama City this month....
Today's Real Estate News: Daily real estate news for this neighborhood, Florida, and United States
Market Conditions Report: Market conditions report for this area, Florida, and United States
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Panama City Beach and Panama City Florida mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Florida or buy your own Panama City Beach and Panama City house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Panama City Beach and Panama City mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
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.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
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.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
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.
Experts: Real estate, homes for sale, and other properties: links in Florida, United States and Canada
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Florida real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Ask Anything: Ask Scott Ingraham Real Estate Group anything real estate
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
Real Estate Tips: The Scott Ingraham Real Estate Groups' 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
Real Estate Trivia: The Scott Ingraham Real Estate Groups' collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Panama City Beach and Panama City property in Florida, including legal terms definitions, and more

 

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Real Estate Tips
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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Real Estate Trivia
Q 
What holds the title as the tallest reinforced concrete building in the U.S.?

A 
311 South Wacker Drive in Chicago was completed in 1990 and is 65 stories high.
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Scott Ingraham Real Estate Group, REALTORŪ, real estate agents and broker for Panama City Beach and Panama City Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Scott Ingraham
Real Estate Group

9722 D Front Beach Road
Panama City Beach, FL 32407
850-249-7355
Toll Free: 888-836-8551
Fax: 850-249-2427
Email: Scott@ScottIngraham.com

With over 27 years of local business and Real Estate experience, the best is what we give you! Everything you need to know about buying or selling primary homes, vacation homes, residential lots, condominiums and waterfront properties can be found here on my Web site!

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