Just starting to shop for a new home? Do you want to know how to figure what your monthly payment would be based on a certain priced home? No problem, there are plenty of mortgage calculators on the web you can use free of charge. All you need to know is the mortgage amount, sale price less the down payment, interest rate (also easy to access on the web), and the number of years you wish to finance your new home, usually 30 years (360 months) is the maximum term. Simply input those numbers into the mortgage calculator and voila you have your monthly payment calculated for you. Can you see the advantage of knowing what your approximate monthly payment is going to be while your home shopping?

If youre thinking about refinancing your current mortgage loan a mortgage calculator can be a great tool for you. Youll need to know what your existing home loan balance is, a current mortgage loan interest rate, and the number of years you wish to refinance your home loan. Now pay attention to this for you could really help yourself with this information. Use the mortgage calculator to calculate the monthly payment and compare it to your current payment; if the new payment is less, you might consider refinancing your current mortgage loan. Better yet, take your existing home loan balance and add your credit card and / or other debt balances together then calculate a payment and compare this payment to your current home loan, credit card, and / or other debt payments. The new payment may be hundreds of dollars per month less. Again, you might consider refinancing your current mortgage loan and pay off some of your other debts too. Please consult a mortgage professional for all your mortgage needs.

Marc Sisk

PROFESSIONAL EXPERIENCE:

I've been in the mortgage origination business since 1998 and have dedicated myself to learning and understanding all aspects of mortgage lending, from originating, processing, underwriting, and closing mortgage loans. Before entering the mortgage business I was in the automotive industry where my area of expertise was in the Finance and Insurance department. I arranged auto loans, life, accident and health insurance policies, and extended service contracts.

ACCOMPLISHMENTS:

From 1985 to 1988, the Pontiac Motor Division of General Motors recognized me as a Master Sales Manager. In 1991 I won the Service Contract Sales Volume Award for finishing in the top 50 of Finance and Insurance Managers for all of Buick Motor Division in the United States and Canada. In 1995 I finished in the top 20 of Finance Managers for Chrysler Service Contracts. I?m certified by the State of Indiana as a mortgage loan officer, and licensed by the state as a Real Estate Sales Person.

MISSION STATEMENT:

The reason for my success in sales is I listen to you, the customer, and your wants and needs I take personally. I do my best to deliver the services you pay for and expect.