Finance Tools

Welcome to our Financial Tools Center. For answers to some of the most frequently asked financial questions, click below for our helpful tools and calculators. Or contact me to discuss your needs in more detail.

How much can I borrow?
How much will my mortgage payments be?
How much will my adjustable rate payments be?
Which is better: fixed or adjustable?

Should I pay points to lower the rate?
Which is better: 15- or 30- year loan term?
How much should I put down for a new home?
How much can I save in taxes?

What will my closing costs be?
Am I better off renting?
Am I better off refinancing?
What will my refinancing costs be?

How can I reduce mortgage insurance costs?
Which lender has the better loan?
Which loan is better?
How advantageous are extra payments?

What home can I afford?
How much will my interest-only payment be?
Which is better: interest-only or traditional?

By selecting one of the links above, you are leaving ValleyMLS and entering a third party web site. ValleyMLS has provided these links for your convenience, but does not endorse or assume any responsibility for the content, links, privacy policy, or security policy of the web site.

Any tools on the web site are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your circumstances are not guaranteed. For personal advice regarding your financial situation, please consult with a financial advisor.

James Phillips

Office Address

Contact