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  Mortgage calculator programs provide perspective homeowners, real estate agents, and mortgage professionals easy and accurate ways to calculate payments on mortgage loans. The Internet provides several of these programs free of charge, and in a multitude of formats to fit most specific needs.
  
  

Web-based Mortgage Payment Calculator Programs

• Many real estate and mortgage company websites provide free online mortgage payment calculators. Most of these provide a basic functionality of calculating a payment; however, some have additional functionality. Many of the online mortgage payment calculators offer enhanced features that allow you to calculate payments that include taxes, insurance and mortgage insurance. They also calculate the amount needed for a down payment, and even allow for comparisons of multiple loan programs. On the downside, when using these you cannot save the information for later reference in most cases.
  
  

Spreadsheet-based Mortgage Payment Calculator Programs

• Spreadsheet template based mortgage payment calculator programs provide a versatility and customization option that other programs do not. These programs easily download into most spreadsheet applications, and provide the choice to customize them to fit their needs. Basic knowledge of spreadsheets allows you to take the function beyond simple payment calculation and into calculating total interest paid and what affect extra payments have on the interest. Add in the ability to print, save, email and work off line and the versatility is clear. Many places offer a variety of these with a variety of features for free.
  
  

Mortgage Payment Calculator Programs for Your Website

• Mortgage payment calculator programs designed to be part of your website are widely available. Many different versions and styles can be found to fit your needs. These can be found as HTML code, JavaScript and Wordpress Widgets. Many websites that offer these also offer easy to follow instructions on how to upload this tool to your website or blog. These types of programs are easy to use obtain, easy to install and easy to use. They also provide a nice reason for visitors to return to your site.