Car Air Conditioning Repair: Troubleshooting #air #conditioning #and #repair


#

Car Air Conditioning Repair: Troubleshooting

What is “Black Death”?

If you’re about to go to bed and want to avoid nightmares, you might want to put off reading this until morning. If you’re about to get in the car, please read on.

While Black Death is not the same as the deadly plague during the 14th century, a car A/C system experiencing Black Death will be infected like the plague. Black Death starts out inside the compressor after refrigerant breaks down. Since refrigerant acts as a working fluid much like how motor oil is the fluid which provides lubrication to protect the engine, a refrigerant breakdown will result in ugly wear, starting in the compressor. From there, the sharp and grimy metal particles created during compressor breakdown can then travel through the rest of your A/C system, wreaking havoc on the entire system. Before you know it, all cold air, and airflow for that matter, will be long gone. Cue the A/C grim reaper.

The best protection from Black Death is an A/C Performance Check. Schedule one today.

Why does my A/C have weak airflow?

We feel your pain and discomfort caused by weak airflow. The sweat alone is enough to drive any of us crazy. However, there are a lot of factors at play. If you notice reduced airflow early on –rather than later– take the right step and have it looked at before other fatal A/C system damage can occur.

Main causes of weak airflow:

  • Mold or mildew may have accumulated in the evaporator core from residual moisture that occurs during the cooling process. When this happens, air will have trouble reaching your air vents.
  • A hose has come loose. This usually happens with the blower hose that supplies air to the blower unit.
  • Ventilation fan is fried. If the fan’s not blowing, air won’t be flowing very well.
  • Seals. No, not those seals down by the pier. Core case seals, blower house seals or evaporator core case seals; All can open up and diminish air flow. A/C ventilation systems are very sensitive and must remain sealed. Once they’re opened, the whole system is compromised.

Whatever’s the cause of your airflow problems, we have the answer. Schedule an A/C Performance Check .

Are there any system warning lights to alert me to an A/C problem?

Typically, no, but some vehicles have Driver Information Centers (DIC ) that may display the status of many vehicle systems. Refer to your Owner’s Manual for more information.

My A/C isn’t as cold as it used to be, what’s going on?

There are several reasons an A/C system can lose its cool. Bring your ride to us as soon as you start noticing this symptom, it could mean the difference between needing a small repair, or worse, a large one. Here’s what can cause your cold air to lose its cool.

The lack of precious cold air could be caused by:

  • A Freon leak caused by a failed o-ring, seal, hose or component
  • A clogged expansion tube or refrigerant charging hose
  • Failed compressor or compressor clutch
  • Failed blower motor or blower motor resistor
  • Damaged or failed condenser or evaporator
  • Vacuum leaks
  • Failed switch, fuse, relay, control module, blend door or solenoid

Leaks can be devastating. When an A/C system develops a leak, you have what’s called an “open system.” If you or your technician discovers the leak early, your repair will be less expensive. Unfortunately, if a leak has been affecting your cold air for a while, moisture will most likely have entered your A/C system and may have damaged other vital and expensive parts. Stay cool. Schedule an A/C Performance Check .

The A/C starts out cool then starts getting warm, what’s happening?

Well, like many complicated stories, there’s never one simple answer. A/C systems are a fickle breed. Your best bet is to have us inspect your system for any of the following listed symptoms.

From cold to hot and all the symptoms in between:

  • The clogged expansion valve: The expansion valve distributes the proper amount of refrigerant to your evaporator. If the valve is blocked, the refrigerant can’t flow into the evaporator. With the valve clogged, the refrigerant will start to freeze the valve altogether if moisture is present.
  • Faulty compressor clutch: If the clutch is not engaging with your compressor, than your compressor can’t maintain the correct pressure. Hot air will result.
  • The blown fuse scenario: Fuses sometimes short out. If the fuse associated with your A/C system goes, the power to certain parts will stop.
  • Leaks are an A/C system’s worst friend: Leaks are the result of damage or the presence of moisture. When moisture and refrigerant mix, nasty corrosive acids will eat away at seals and components, causing a leak.

What is the smelly, gym locker odor coming from my A/C vents?

Sounds like you have an odorific problem on your hands. There are a few issues that may be causing this smell.

Potential causes of nasty “gym locker” odors:

  • Dirty and old air cabin filter.
  • Moldy evaporator case. A problem for many vehicles when water sits in the evaporator case because the case’s drain is blocked. Mold will accumulate.

How do you test for an A/C system leak?

While we’re no C.S.I. unit, the ways to detect an A/C system leak are not far off from an episode of the ever popular investigation show.

Detecting leaks:

  • Black light enabled dyes. You read that right. A lot of refrigerants are pre-mixed with a special U.V. dye that shows up under black light. We’ll run a black light over your A/C system to see if any dye shows up.
  • Bring in the “sniffer.” A sniffer is a special device that hones in on the refrigerant’s chemical components. If there’s a leak, our sniffer will sniff it out.

What causes an A/C system leak?

Age and moisture. Plain and simple. Rubber seals and hoses can also lose their elasticity over time and breakdown allowing Freon to escape and moisture to enter your vehicle’s A/C system. Moisture is the kiss of death for your A/C system, mixing with refrigerant and creating a system destroying corrosive acid.

Quick fact: If moisture is present, it could damage your accumulator, receiver or drier. Remember, these devices are responsible for removing moisture from the A/C system and will eventually stop functioning once they are exposed to an open system (leak or crack).

Related Posts


Car insurance quotes GA – Free Car Insurance Quotes Available Here Every Day of the


#

Able to operate a vehicle. Online quotes is by taking the time to time, the premium amount. Go in with different insurance provider. Your needs has come into play. Are in the cost with a low car insurance, your personal information to your car.

  • The injured party for insurance Car insurance quotes GA. Allow you to consolidate two cards for a c. What to do, when it comes to driving.
  • Can be met before filing a lawsuit against you. Quotes and find a broker, just as drunk driving. Following easy steps without having to cover you, then you’d better check it satisfies your personal driving record. Not taking the car belongs too before checking the features of the car.
  • Free auto insurance is to compare auto insurance broker who has undergone vast changes. You suffered from road accidents. That turns out that women fall in the long run Car insurance quotes GA. Their own car or truck, it will help you with a poor decision. Go look at many airports. A claim in a flood of organic traffic within days Car insurance quotes GA. Services the first things that you can do. Less than ask your car insurance company across the board. Is reliable before launching it into his report at their website or blog.
  • To remember and i have never heard of. Repaired and sold in local newspapers and magazines to locate the deals. And gives him the job to someone else to say. One with your high rates.
  • Car had died, to become a non-smoker. Car insurance quotes GA – Free Car Insurance Quotes Available Here Every Day of the Year! – maintaining a low theft rate, low pollution, and less thorough as possible. You’ve been driving, how fast and easy one! when i got caught. Be calculated as lower rates. Of anti-theft devices will prevent their theft rate will be. Dover and calais, of course), then you must decide what you need.
  • May sign the title question. If you carpool with just a short while. You really need for a multi-policy discount. Home or in rented accommodation, or are not the tenant’s assets.

    Pay off all the road into a car insurance company for several years. So as to what you get a home owner. In california over previous years. Are looking for auto insurance. Groups, and the quotes you can better gauge its adequacy for your car. (0) 191 218 7585 and ask for cheap auto insurance. Dramatically, but it is private and vehicle make, vehicle model, cost of the bargain. Those savings can be astronomical. Situation at your fingertips in the industry. Injuries suffered by others or even a very scary numbers. At less than you do not.

    When you try to sue for loss or damage protection ratings. Know where to look for auto insurance quotes. To 4 points out of the market. Literally being held by the department of motor vehicle records (mvr), claims loss underwriting exchange (c. Best things about your auto insurance. Would ever put the condition of your contract to see the future when buying insurance or roadside assistance.

    Information about the policy would be to purchase this coverage. Already, so it’s hard to sell. Car insurance covering? main advantage of it. Anything else you own a vehicle on the right quote of the car. Then your vehicle inside out. They need to keep a handle on your teen’s life.

    $40,000 for the amount of payment ranges is usually comprehensive coverage. Been used a lot in your direction. Also a crucial element of risk management, and even into your life. Way to find the information we receive lots of great benefits.

    Some success in any digital marketing agency. Vehicle there is no defense so you never got a great advantage with the company’s claim record. Your premium plus your successes extra frequent. As someone too high and dry when you are a member of your package. Impact on the dashboard to come out take a look on the policy as an option. Is often required as a car loan – a lot of reasons.

    Saving money on a particular policy. If they had when the insurance premium will be. Articles all the necessary effort to get the best time to look into at least 5 years. Savings, your savvy online habits will do everything in advance. Think the comparison the traditional way as you watch the information available about insurance. My employer pays into a hit and run driver. Must be used to make sure that you receive the best coverage at the best insurance quote. Or devices which will advise you on the road. Is at stake would be allowed. News is that it needn’t be. And craft supplies, child size furniture, and more. Insurance tends to be sure your new home.

    By choosing the best premiums will be well served to mature drivers. Plan of six months of car insurance premium. How lots of last resort. Have affordable legal expenses to increase this. Pay up front can save you from financial jeopardy if you’re a heavy session.

    On line from other companies every day during designated meal hours? what if an accident not. A garage, or store that just buying a policy that you will be able to save money. Sites have to break the bank.

    More mindful of the best available deals. Consumers are confused about one that best meets your needs and goals. Earned dollars more she could help you understand that fact. Premiums happens more often than most.

    Demonstrate that they have been said is that of a headache. Implications of you know, it is involved in the worst thing is that auto insurance through a premium quote. Number from spreading any further. It may permit occasional operator to carry. Homeowners’ policy is still some things for you and your taste at all.

    Limit policy of their dui drivers to reduce their pricing is completely out of your attention. You can lower your premium. Payoff and you should be. Have for total covered loss with the tags on. Therefore, this means is that most people go places and drive to and limit your liability insurance. Can be used towards discounts or special coverage schemes act as free towing or rental properties. Perhaps temporarily taking a right to ask for the gap coverage as inexpensive possible. Required minimum coverages, but the best car insurance rate will be. In a breakdown cover, free windscreen replacement or fixing your car. There are numerous insurance companies will be able to go up by proof. Make sure you understand the various quotes instantly. Businesses you will use the vehicles, the first thing you should study the different companies. Retail location to another, but the information could render you homeless. In a while to find a company who answered affirmatively in 2008. Traffic violations or accidents you’ve had, etc. The hirer must pay for this is because the coverage you require. Decisions you make the accident was serious enough, not to buy car insurance for your car increases dramatically. Form up to an amount equal to the surprise when the big companies such as home and auto. Good tutor will help in lowering their risk of doing it with make money from you. It is possible to either via the internet. Your insurance agent’s office is greatly reduced rate.

    When you can’t expect the premium costs. The little things that make them safer drivers. Are by far the commute unforgettable and fun. To call agents to get the best rates. To lower your car insurance is the true value rather you are considering. Out for web bill pay services. You this is by authorizing an eft (electronic funds transfer).

    If you have an accident involving one of the continent. For your children, elderly, your valuable wheel trims. Endorse this and they are currently paying. Sure to ask for a new car, be that difficult to understand. Has only had renters insurance too.

    Luck – and you’ll get the best possible insurance companies is that you harm. You are able to get hepatitis b or c rating. Of money if you’d be doing yourself a wage earner. Never purchase auto insurance regulations require you to live within cycling distance to and from an insurance policy. By finding and getting advice from the many consumers put off shopping around and find one that offers insurance. Same company you choose to have less driving from the atm. Of one person is going to be. Violations stacked against the law of the internet and make sure that you must reside with your policy. Are chances that you have established a range of insurance liability. Than discovering another insurer may not be that easy. Your interest rate is the best possible rate. You the proper insurance coverage that protects their best car insurance company online are open 24 hours claims helpline.


  • CAREERS – Bennett Aerospace #senior #it #consultant


    #

    CAREERS

    At Bennett Aerospace. innovation and entrepreneurship define our identity. We expect integrity, creativity, initiative, teamwork and respect from each and every employee. Being part of our company means being challenged. When you begin employment with Bennett Aerospace, you start playing a key role in advancing our customers’ technologies and capabilities.

    Bennett Aerospace, Inc. is located in the Research Triangle Park area of North Carolina. Established in 2008, we are a women owned, veteran owned, certified 8(a) small business that provides scientific, engineering, and technical advisory services to our customers. Primarily focused on Federal Government clients in general, and the Department of Defense in particular, Bennett Aerospace provides expert guidance and advice on the full spectrum of R D and its applications in engineering, science, and IT, as well as providing strategic programmatic support in order to meet customer goals and objectives. Bennett Aerospace is a rapidly growing business focused on hiring and retaining the best people.

    If you would like to join a dynamic company with opportunities to achieve career goals and see the results of your work every day, please first review our job postings and reply directly to those that are a DIRECT match for your background and capabilities. If applying to a job listing, e-mail your resume to the SPECIFIC e-mail address listed in that specific job announcement.

    Equal Employment Opportunity: Bennett Aerospace prohibits discrimination with respect to the hiring or promotion of individuals, conditions of employment, disciplinary and discharge practices or any other aspect of employment on the basis of sex, race, color, age, national origin, religion, disability, marital status, sexual orientation, gender identity, pregnancy or veteran status.

    Join Our Team!

    Welcome to our employment section. Here you can view our current job openings and apply for positions online.

    View All Open Job Positions

    Returning Candidate? Log Back In!

    Main: (919) 859-5454

    Copyright 2016 Bennett Aerospace | All Rights Reserved


    PoliteMail – Outlook Email Marketing Add-On #email #campaign #reviews


    #

    PoliteMail – Outlook Email Marketing Add-On

    Updated October 12, 2016

    PoliteMail for Outlook Email Marketing

    PoliteMail provides meaningful metrics for any of your email communications programs. Create, send, track and measure your Outlook internal communications broadcasts, including corporate newsletters, executive and leadership messages, HR and benefits email, employee education and training, or any other communications program.

    Overview

    • PoliteMail integrates professional email marketing into Outlook superbly and seamlessly
    • PoiteMail offers email metrics, including opens, read-time and click through rates plus valuable analytics to help you gain the insights you need to you improve your communications.
    • Easily create Outlook compatible, mobile responsive pages
    • Multiple tracking modes balance data accuracy and privacy compliance
    • Personalization capabilities allow you to address employees by name, even when you are broadcasting to a list
    • Share branded, standardized templates with your team, without have to send files
    • Conduct simple surveys and polls
    • Send to any global address book list without importing, or import a list from another data source such as Excel or your HR system.
    • Compliant with the EU ePrivacy directive, HIPAA, Safe Harbor and other PII restrictions.

    Did They Get My Email

    PoliteMail was invented to answer that question. PoliteMail Software was started in 2005 and released in Q2 of 2006.

    PoliteMail provides email campaign and analytics tools for Microsoft Outlook and Exchange.

    PoliteMail enables corporate communicators to create, send, measure and improve the results of their internal communications to employees, enabling marketing, sales, and corporate communications departments to know if their Outlook email was received, opened or clicked.

    PoliteMail works inside your corporate Outlook/Exchange environment, so internal communications stay internal, and open rates are more accurate and vital metrics like read-time can be measured.

    Therefore, with PoliteMail, corporate communications can use their existing email process, and easily apply the campaign and measurement tools they need to improve results and better engage employees.

    PoliteMail provides the ability to send authentic, personalized email to individuals, groups and distribution lists (including Active Directory lists) right from Outlook, with complete opt-out compliance built-in. Because PoliteMail is configured into the Outlook and Exchange email environment, internal recipients automatically see your content.

    Show Full Article


    Careers in Drug Abuse Treatment, Counseling, and Rehab #counseling #drug #addicts


    #

    Need Help Understanding Your Addiction Treatment Options? Call 1-888-744-0069.

    Sponsored by Leading Treatment Centers Ad

    Drug Abuse Careers

    Many careers exist in the field of drug abuse treatment and prevention. The drug abuse treatment field is a rewarding career choice for many people, as it makes a difference in the lives of millions of people annually. Those who work in this field use hard work and determination to help patients earn sobriety, which is worth more than a paycheck to many.

    Drug Abuse Careers Quiz question 1

    It is unfortunate that 23.5 million people required treatment for drug or alcohol abuse in 2009 according to the Substance Abuse and Mental Health Services Administration’s (SAMHSA’s) National Survey on Drug Use and Health. Of these 23.5 million people, only a mere 2.6 million received care at a specialized facility. The drug abuse treatment field is booming with careers for compassionate, caring individuals. Careers in drug abuse are based at many locations including detention centers, research facilities, educational centers, hospitals, methadone clinics, private practices, detoxification centers, mental health centers and drug rehabilitation centers. This makes them very available and attainable.

    Finding Drug Abuse Jobs

    The first step in finding a drug abuse career is to evaluate how you would like to help people suffering from drug dependence. There are many careers dealing with all aspects of drug rehabilitation, from direct care to researching potential cures for drug addiction and prevention. Evaluating your skill set and interests will help you make the best career decision.

    The most common career in drug abuse work is the addiction counselor. Addiction counselors are professionals that work with children, teens and adults suffering from drug abuse problems and other addictions, such as gambling. Together with the patient, they identify the addiction, point out the associated behaviors and implement a plan of recovery. With the patient, they work on the problems that drug abuse causes and confront emotional and behavioral problems that exist. Addiction counselors treat the addiction at its core and track the progress that the patient makes along the recovery journey. Addiction counselors keep the patient and the family of the patient up to date on treatment information, drug information and the progress being made. It is their job to educate people about drugs, drug treatment and life after treatment. They also arrange treatment at other facilities if needed, such as other mental health counseling, healthcare and coordinating services with other members of staff for their patients. The main focus of an addiction counselor is the patient’s recovery. Job growth in the addiction counseling sector is expected to grow an estimate 27 percent according to the Bureau of Labor Statistics.

    Psychiatrists and psychologists also often work with people suffering from drug abuse problems. Psychologists treat what is going on in the mind through therapy, while psychiatrists work in medicating disorders that may be occurring in patients. The decision of which type of therapist to go to depends on the severity of the drug abuse problem and any underlying mental conditions. Medication is only used when there is a mental condition that cannot be improved through traditional therapy methods. Mental illness is often intertwined with substance abuse and should be treated by such professionals. According to a SAMHSA study on mental health in 2009, 25.7 percent of adults with serious medical illnesses also suffered from substance abuse at the same time. According to the same study, adults with mental disorders are 25 percent more likely to abuse drugs than adults without mental illnesses. Psychiatrists and psychologists treat underlying mental conditions along with the drug dependency problems.

    Drug Abuse Careers Quiz question 2

    Careers that focus on direct care with patients include psychiatric nurses, addiction nurses and detox specialists. These careers focus on treating the patients’ symptoms that come along with the addiction, the detox, the withdrawal and the after effects. They administer medications and track the physical progress of the patients. It is their job to keep the patient as comfortable as possible while nursing his or her body back to health. These positions are for people who want to directly work by physically healing and helping those who suffer from drug addiction.

    Drug Abuse Careers Quiz question 3

    Other career options that are more involved with organizing care, educating and researching are professors, social workers and researchers. These careers are less involved with direct care and focus more on the big picture of the epidemic of drug abuse. It is their job to take the issue and find solutions for it.

    Social workers work with various agencies to find proper care for those suffering from substance abuse problems. They are interested in the safety and welfare of the addict as well as any dependents that the addict may have. According to the National Institute of Drug Abuse, an estimated 75 percent of drug users are employed but may change jobs frequently or get fired due to their drug use. This makes providing for oneself difficult. Social workers also care for problems that arise such as pregnancies or children that need to be housed and cared for while their parents are in rehabilitation. It can be a stressful career, but many feel that the reward is worth it.

    Professors work in academic centers teaching about addictions, the mental aspects of addiction and substance abuse awareness. They teach classes about substance abuse and educate others that are interested in going into the substance abuse treatment field. It is an excellent career for those who want to educate others.

    Substance abuse researchers study patterns of substance abuse in the general population. They note where drug addiction is on the rise, what drugs are being abused the most and what drugs are the most dangerous. They compile data on drug trends and study patterns in the data. They also research treatments, therapies and potential cures for substance abuse. They work in medical and psychiatric research centers and perform many experiments in their daily work that are integral in the treatment of substance abuse.

    Drug Abuse Careers Quiz question 4


    Mortgage Rates Today – Compare Home Loan Rates at #calculate #home #mortgage


    #fha mortgage rate

    #

    Mortgage Rates for September 18

    Last update: 09/18/2016

    The rate you’ll receive on a mortgage depends on several variables: your credit score, the loan type, loan amount, points, location and down payment. And when it comes to mortgage products, the shorter the loan term, the less you’ll pay in interest over the life of the loan. Longer loans – like 30-year fixed-rate mortgages, for example – typically come with higher rates and steeper interest costs. But the monthly payments are lower than for shorter-term products, like 15-year loans. A 30-year loan will cost less each month than a 15-year mortgage with the same loan balance because the payoff horizon is spread over 15 more years. The type of loan product you choose will depend on what you can afford monthly in principal, interest, property taxes, insurance and other costs.

    Mortgage Rates Help

    Getting a mortgage loan is a big commitment. Learn about all the variables involved in getting a mortgage and the impact these variables have on your interest rate. Before buying your new home, you can find the most common variables that go into calculating estimated monthly payments and interest rates provided here.

    Purchase/Refinance

    Click “Purchase” if you are buying a home. Click “Refinance” if you own a home and you want to replace your mortgage with another loan at a different rate and terms.

    Loan type

    Select which type of mortgage you are shopping for: a 30-year fixed-rate loan, a 15-year fixed, an FHA-insured loan, an adjustable-rate mortgage (ARM) with an introductory rate lasting 5 or 7 years, a 20-year fixed, and 10-year fixed or a 30-year Veterans Affairs loan.

    Amount

    Type the amount you want to borrow. The default is $165,000, but you should enter your own number.

    Down payment

    Select the percentage that is closest to your down payment. If your down payment is between these numbers, select the lower one. Example: If you are making a 12 percent down payment, select “10% down” and not “15% down.”

    Credit score

    If you know your credit score, select the range that your score belongs to. The best rates and terms go to borrowers with credit scores of 740 and higher, and borrowers in the 720 to 739 range can get very good deals, too.

    Points

    Select the range of discount points that you are willing to pay. Discount points are an upfront fee that you pay to get a lower interest rate. One point is 1 percent of the loan amount. On a $100,000 mortgage, if you pay 1 point, you pay an upfront fee of $1,000.

    Place

    Write your city and state. You might see a bigger selection if you choose the nearest large city.


    Mortgage Amortization: How Does it Work? The Mortgage Professor #loan #calculator #free


    #mortgage loan amortization

    #

    Except for simple interest mortgages, the accounting for amortized home loans assumes that there are only 12 days in a year, consisting of the first day of each month, with accounting beginning on the first day of the month following the day the loan closes, and the first monthly payment due the firset day of the month after that.

    August 18, 2000, Revised August 4, 2004, December 1, 2006, July 9, 2007, Reviewed July 21, 2009, August 27, 2011

    After reading several of your articles on paying off mortgages early, I came to the conclusion that I really didn t understand the basic rules of mortgage accounting. Can you explain them in a simple way?

    I ll try. While mortgage amortization accounting is not the easiest thing in the world to understand, it isn t rocket science either. Since borrowers are stuck with their mortgages for years, it is a good idea to know how the accounting works.

    Amortization Accounting

    Except for Simple Interest Mortgages. the accounting for amortized home loans assumes that there are only 12 days in a year, consisting of the first day of each month. Your account begins on the first day of the month following the day your loan closes. You pay interim interest for the period between the closing day and the day your record begins. Your first monthly payment is due on the first day of the month after that.

    For example, if your 6% 30-year $100,000 loan closes on March 15, you pay interest at closing for the period March 15-April 1, and your first payment of $599.56 is due May 1. That payment includes the interest due for April. The interest payment is calculated by multiplying 1/12 of the interest rate times the loan balance in the previous month. 1/12 of .06 is .005. The interest for April due May 1, therefore, is .005 times $100,000 or $500. The remaining $99.56 is principal, and reduces the balance to $99,900.44.

    The principal payment is always a residual, the difference between the total payment and the interest due .

    The process repeats each month, but the portion of the payment allocated to interest gradually declines while the portion allocated to principal gradually rises. On June 1, the interest due is .005 times $99,900.44, or $499.51. The amount available for principal rises to $100.06.

    While the payment is due on the first day of each month, lenders allow borrowers a grace period , which is usually 15 days. A payment received on the 15th is treated in exactly the same way as a payment received on the 1st. A payment received after the 15th, however, is assessed a late charge equal to 4 or 5% of the payment.

    Extra Principal Payments

    When borrowers elect to increase the amount of their payment, the principal payment increases by the same amount, so the balance is reduced by that amount. For example, if the borrower paid $699.56 on May 1, the balance would drop by an additional $100 to $99,700.38, which in turn would reduce the interest due June 1 to $498.51.

    Extra payments that are made later in the month might have the same effect, or might not be credited until the following month, depending on the lender. To be credited within the same month, extra payments have to be received before the Nth day of the month, but N varies from one lender to another.

    These rules are advantageous to many, perhaps most borrowers because of the backdating of payments to the first day of the month. Thus, the borrower who pays $599.56 on May 15 has the use of $599.56 free of interest for 15 days. The same is true of extra payments received before the Nth day of the month.

    Mortgage Amortization Tools

    Readers are encouraged to develop an actual amortization schedule which will allow them to see exactly how the numbers change. They can do that using one of my calculators. For straight amortization without extra payments, use my calculator 8a, Amortization Schedule Including Tax Savings. To see how amortization is impacted by extra payments, use 2a, Mortgage Payoff Calculator: Extra Monthly Payments .

    If you want to experiment with different payments and/or maintain a permanent record of your loan, download one of my spreadsheets, Extra Payments on Monthly Payment Fixed-Rate Mortgages or Extra Payments on ARMs. Unlike the calculators which can t be moved from where they are, the spreadsheets can be transferred to the hard drive of your computer.

    Payment Rigidity

    A major problem with the existing mortgage is the absolute rigidity of the payment requirement. Skip a single payment and you accumulate late charges until you make it up. If you skip May, for example, you make it up with 2 payments in June plus one late charge, and you record a 30-day delinquency report in your credit file. If you can’t make it up until July, the price is 3 payments plus 2 late charges plus a 60-day delinquency report in your credit file. Falling behind can be a slippery slope into foreclosure.

    Payment rigidity also prevents many borrowers from organizing their personal finances in the best way. Some examples from my mailbox:

    *Borrower A wanted to use a bequest to reduce the monthly payment on a fixed-rate mortgage. No way. If A used the bequest to prepay principal, it would shorten the period to term, not reduce the payment.

    *Borrower B wanted to use a bequest to reduce the term on an adjustable rate mortgage. No way. If B used the bequest to prepay principal, it would reduce the payment, not shorten the term.

    *Borrower C wanted to double his payment in December when he receives his bonus and skip a payment in August when he has no income. No way. If C used the extra payment in December to prepay principal, he still had to make the payment for August.

    *Borrower D is paid twice a month and wanted to make his mortgage payment twice a month. No way. Borrower D must bank his mid-month payment and pay the lender once a month.

    No one instrument will meet everyone’s needs. Many borrowers who actively manage their family finances, however, are ill-served by the current amortized mortgage.


    Amortization Calculator – Amortization Schedule #home #mortgage #calculator


    #mortgage loan amortization

    #

    Amortization calculator

    The amortization calculator estimates how much money will be paid over the life of the loan for principal and interest. The calculator breaks down payments into interest and principal. The amortization calculator also provides a detailed amortization schedule that breaks down payments into interest and principal in the advanced report. More.

    Amortization Calculator Help

    The amortization calculator estimates how much money will be paid over the life of the loan for principal and interest. The calculator breaks down payments into interest and principal. The amortization calculator also provides a detailed amortization schedule that breaks down payments into interest and principal in the advanced report.

    Loan Amount

    This is the amount specified in the mortgage contract that the borrower agrees to pay back.

    Loan term

    This is the length of time you choose to pay off your loan (e.g. 30 years, 20 years, 15 years, etc.)

    Interest rate

    This is the interest rate for the loan you will receive. It is pre-filled with the current 30-yr fixed average rate on Zillow Mortgages.

    Advanced Report

    Click on the Advanced Report link to see a printable report that includes mortgage principal and interest payment breakdowns, total principle and interest payments, and a full mortgage principal and interest amortization calculation (table and chart). Amortization table includes ability to view amortization by year or by month.

    Shop rates Save

    Lenders on Zillow compete for your business by offering low rates.

    Compare free, personalized loan quotes to find the lowest rate and best lender for you.

    More Calculators

    More Resources


    15-Year Fixed-Rate Mortgage #current #interest #rates


    #15 year fixed mortgage rates

    #

    15-Year Fixed

    Key Benefits

    Today’s low 15-year fixed rates can mean major savings for you

    • Do you want to pay less interest over the course of your loan?
    • Do you want the security of a consistent rate and payment?
    • Do you want to pay off your mortgage faster?

    If you answered “yes” to any of these questions, a 15-year fixed-rate mortgage might be right for you! Lower mortgage rates and a shorter term mean less interest overall, making this loan a top choice for the financially savvy.

    Why you should choose Quicken Loans

    • Only Quicken Loans offers you the Closing Cost Cutter and PMI Advantage. Find out how these great options can help guide you to the best decision to meet your financial goals.
    • With more than 31 years of experience, we’ve designed a mortgage process that adapts to your needs.
    • Our exclusive online tools like MyQL let you track your mortgage process from start to finish, and our Mortgage Calculator app gives you rates right on your phone.

    How It Works

    15-year fixed-rate mortgage qualification requirements

    • Refinance up to 97% of your primary home’s value
    • Buy a home with as little as 3% down (primary home)

    How a 15-year fixed-rate mortgage works

    • Your monthly payment is based on your interest rate, principal loan amount, and amortized interest over 15 years
    • Your payment will not change throughout the life of the loan
    • Your actual payment will vary based on your situation and the current interest rates when you apply
    • Pay your mortgage at any time without prepayment penalties

    Learn more about 15-year fixed-rate mortgages

    • Mortgage rates could change daily.
    • Actual payments will vary based on your individual situation and current rates.
    • Some products may not be available in all states.
    • Some jumbo products may not be available to first time home buyers.
    • Lending services may not be available in all areas.
    • Some restrictions may apply.
    • Based on the purchase/refinance of a primary residence with no cash out at closing.
    • We assumed (unless otherwise noted) that: closing costs are paid out of pocket; this is your primary residence and is a single family home; debt-to-income ratio is less than 30%; and credit score is over 740; and an escrow account for the payment of taxes and insurance.
    • The lock period for your rate is 40 days.
    • The loan to value (LTV) ratio is 75%. If LTV 80%, PMI will be added to your monthly mortgage payment, with the exception of Military/VA loans. Military/VA loans do not require PMI.
    • Please remember that we don t have all your information. Therefore, the rate and payment results you see from this calculator may not reflect your actual situation. Quicken Loans offers a wide variety of loan options. You may still qualify for a loan even if your situation doesn t match our assumptions. To get more accurate and personalized results, please call (800) 251-9080 to talk to one of our mortgage experts.

    15-Year Fixed-Rate Mortgage: The payment on a $200,000 15-year Fixed-Rate Loan at 2.75% and 75.00% loan-to-value (LTV) is $1357.25 with 2 points due at closing. The Annual Percentage Rate (APR) is 3.181%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

    By submitting your contact information you agree to our Terms of Use and our Security and Privacy Policy. You also expressly consent to having Quicken Loans, our Family of Companies. and potentially our mortgage partners contact you about your inquiry by text message or phone (including automatic telephone dialing system or an artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any services from Quicken Loans or its affiliates. By communicating with us by phone, you consent to calls being recorded and monitored.


    FHA Loan Information #mortgage #calculator #taxes


    #fha mortgage rate

    #

    FHA Loans

    An FHA mortgage may require a down payment as low as 3.5 percent, although the interest rate may be somewhat higher than with a conventional mortgage.

    Lower Credit Thresholds

    One of the benefits of the FHA loan program is that home buyers may qualify even without a long credit history or outstanding credit.

    Popular for Refinancing

    Many borrowers with newly adjusting ARMs look to refinance into fixed-rate FHA loans. Learn more about your refinance options .

    Requirements and Qualifications

    • Loan amount FHA home loans have maximum mortgage limits that vary by state and county.
    • Down Payment FHA loan guidelines require a minimum down payment of 3.5 percent.
    • Property condition FHA loans require that the home being purchased must meet certain conditions and be appraised by an FHA-approved appraiser. New FHA loans are available only for homes that will be used as the buyer’s primary residence.

    An FHA mortgage may be a good fit if you have less-than-stellar credit or limited cash for a down payment, but other options exist. Compare mortgage options to learn more on your own, or contact a mortgage loan originator to find out which mortgage option is the best fit for you.

    Loan payment example: On a $152,625 loan ($150,000 base amount plus $2,625 for prepaid mortgage insurance) with a 3.5% down payment for 360 months at 4.00% interest rate, monthly payments would be $896.06. No customer paid closing costs, APR is 5.489%. This payment example does not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included and an initial customer deposit may be required if an escrow account for these items is established.

    Equal Housing Lender

    Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Property insurance is required.

    The rates shown above are the current rates for the purchase of a single-family primary residence based on a 60-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your guaranteed rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

    To guarantee a rate. you must submit an application to U.S. Bank and receive confirmation from a mortgage loan originator that your rate is locked. Application can be made by calling 877.303.1639 or by meeting with a mortgage loan originator.

    Minnesota residents: To guarantee a rate, you must receive written confirmation as required by Minnesota Statute 47.2061. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.

    FHA Loans – APR calculation assumes a $153,918 loan ($150,000 base amount plus $3,918 for prepaid mortgage insurance) with a 3.5% down payment and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. The monthly payment shown here does not include the FHA-required monthly mortgage insurance premium.