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NextHome Experts
15000 Madison Ave
Lakewood, OH 44107
Phone: (216) 423-5100

Thank you again for finding us this Great House! Tom and Beatrix Tyna (Bay Village)

In this market, it would be easy to throw up your hands and say it's close to impossible, just sit back and hope for the best, but not you. The marketing materials were great and the effort you put in helped to sell the house in an impressive amount of time. Thank you for your input to get the house looking its best and for helping with all areas of the sale. I can rest easy with planning my wedding knowing I have that checked off my list. When Chris and I head back to Cleveland, I will be the first one to look you up and use your services to find our new home. Yours Truly, Kate Plenzler (Avon Lake)

Your ambitious approach is very refreshing. Linda Wagenknecht (Lakewood)

Tony is the Professional in Realty Professionals. Lee Zapis (Bay Village)

Professional in every detail. Sensitive to our personal situation. Business ethics and moral values are to be admired, Does everything in his power to make what could be a highly stressful time in your life, a pleasurable experience. Donald and Betty Maxam (Huron)

A pleasure working with you. We think of you as a new friend. You are truly a professional. Zita and Ken Boitel (Westlake)

Your consistent communication, attention to detail and advice made the entire process a smooth one and one that I learned a great deal from. James Elios (Avon Lake)

I knew throughout the whole process that everything would turn out well because you were very honest and up front with me. You went above and beyond what any other Realtor would do. Robert W. Rosol (Fairview Park)

We couldn't be happier in our new home - could not have done it without you! Dennis and Michelle Pinozzi (Lakewood)

You were knowledgeable and taught me how to look at electrical, plumbing and structural things I never would have noticed. You also listened to what I wanted and helped me to narrow my search. I was treated with respect, something a single female does not encounter very often in the Real Estate market. Theresa A. Clarke (Lakewood)

Thanks again for all your help. I've told a lot of agents in my office what a super agent you are - a real professional. Judy Nupp - Howard Hanna (Rocky River)

Real Estate Tips

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Mortgage Calculator     
Calculators Provided by: IMAGEPROWEBSITE.COM

Standard vs. Bi-Weekly

Input Information
Loan Information
Amount : ($)
Interest Rate : (%)
Length : (Years)
Your Tax Rate
Tax Rate : (%)

Financial Analysis (Switch to Plain English)
  Standard Bi-Weekly
Length : 30 Yrs 0 Mts 26 Yrs 2 Mts
Time Saved : 3 Yrs 10 Mts
Bi-Weekly Payment : - $561.31
Monthly Payment : $1,122.61 $1,216.16
Total Interests Paid : $154,140.22 $131,676.52
Interest Savings : $22,463.69
Tax Savings : $40,076.46 $34,235.90
Tax Saving Losses : $5,840.56
Total Benefit
(Int. Savings - Tax Saving Losses) : 		$16,623.13
Plain English Help (Switch to Financial Analysis)

When you set up your mortgage payment repayment plan, you can choose between a standard repayment plan or a bi-weekly repayment plan. With the standard plan, it would take you 30 years to repay the loan while a biweekly plan will take 26 years and 2 months. This will save you 3 years and 10 months. But, the savings doesn’t end there.

If you took out a $250,000.00 loan with an interest rate of 3.500% and your federal tax rate is 26.000%, you can expect to pay $1,122.61 per month, while a bi-weekly payment plan will call for a payment of $131,676.52 every other week. As a result, you will pay only $131,676.52 in interest with the bi-monthly schedule rather than $154,140.22 with the standard payment plan. While this will result in a loss of $5,840.56 in tax benefits, you will still save a total of $16,623.13 with the bi-weekly plan.

DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your own financial advisor.