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# How Mortgage Calculators Work

The Problem with Mortgage Calculators

Unfortunately, mortgage calculators don't always reflect the truth of sometimes fluctuating interest rates, early payment penalties, and the longer terms on refinancing mortgages.

While a mortgage calculator can give you useful estimates, it's always best to speak directly with a lender or mortgage professional to gain a clear and accurate idea of your exact monthly mortgage costs.

For information on practical home mortgage recommendations, please visit http://www.home-mortgage-preparation.com, a popular site with great insights about home loan considerations, such as private money lenders, FHA loan limits, and many more!

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