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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 Culpeper, Warrenton and Northern Virginia 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 Culpeper, Warrenton and Northern Virginia, Virginia

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

Schools in Culpeper, Warrenton and Northern Virginia

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 is the world's largest palace?
A	The Imperial Palace (Gugong) in the center of Beijing, China covers over 178 acres and dates back to the early 1400s.
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Beverly and James Herdman, REALTOR®, real estate agents and broker for Culpeper, Warrenton and Northern Virginia, Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Beverly & James Herdman
"We Bring Wine Country Home"
Keller Williams Realty
433 Meadowbrook Shopping Center
Culpeper, VA 22701
Office:: 540-937-4806
Beverly Cell: 703-969-4280
James Cell: 703-969-3812
Fax: 540-364-5059
Email: beverlyherdman@number1expert.com
The Herdmans are absolute professionals. With their outstanding experience and dedication, upbeat personalities, and excellent communication and negotiation skills, they are the ideal team to guide you in discovering, and acquiring, your dream home. Beverly is also a Certified Distressed Property Expert who counsels homeowners who are in need of alternatives to foreclosure. We Bring Wine Country Home.

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