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Compare three mortgages at one time. Download TripleCalc now. It's free.

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Welcome > Resources > Free TripleCalc Software ...

Download TripleCalc for FREE. It's Our Gift to You.

You can compare three loans at one time with TripleCalc software. The software installs easily on your Windows PC.

You don't have to be online to use TripleCalc, like the other calculators on our site. You can leisurely compare three loans from three different lenders, and try different scenarios to see which loan is best for you.

TripleCalc would cost you about $30 elsewhere, but you can have it for FREE. It's our gift to you for visiting our Southbury, Middlebury, Woodbury and Newtown web site.

You can send copies of TripleCalc to all your friends and associates.

Click on the Download link below to get TripleCalc. It's a small file (about 225k) so it will download quickly. Save it on your hard drive, and then double-click on it. You'll see that it installs in a snap...

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This is what TripleCalc will look like on your Windows PC. You can compare 3 loans, at one time -- and you don't have to be online. TripleCalc lets you get a leg up on complicated loan comparisons.

Includes 8 other calculations you can't do without:

Simple Mortgages with P.I.T.I.
Pre-qualifying mortgages
Plus lease, investment, balloon payment and other calculators.
Every calculator uses the super-convenient "compare three at once" format.
It's FREE.

Download TripleCalc Now!

Includes 9 sophisticated calculators. You'll use it again and again, on everthing from house payments to car loans and more.

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School Reports in Southbury, Woodbury and Newtown, Connecticut

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Connecticut Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Southbury, Woodbury and Newtown

Financing Your Home >ARMs

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

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Q	What document must lenders provide within three days of receiving your application for financing?
A	The "Truth In Lending Disclosure Statement" will give you complete financial information about the loan.
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Nettleton and Aronheim Group, REALTOR®, real estate agents and broker for Southbury, Woodbury and Newtown, Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Nettleton and Aronheim Group
William Raveis Real Estate
385 Main Street South
Southbury, CT. 06488
Phone: 203-264-1080
Fax: 203-264-6425
Email: ronnettleton@NUMBER1EXPERT.com
Ron Nettleton of William Raveis Real Estate is consistently one of the top real estate agents in the Southbury area receiving numerous awards. Ron has been satisfying clients and customers in sales for over 28 years, giving unparallel service and dedication. He strives for excellence by providing his clients with extensive knowledge and quality of service. Ron's negociation skills, sense of fairness and strong commitment to his clients needs have won him the respect he enjoys.

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