There are several sites out there that offer free mortgage calculators.  When using a
mortgage calculator, here are a few things you should consider.  First, keep in mind
that mortgage calculators may round off certain elements which could make a slight
difference in the results you get from the actual monthly payment amount.  
Also, most mortgage calculators calculate the monthly payment including the loan
principal and interest.  Property taxes and insurance are generally not included in
this figure, so you should be aware that your actual monthly mortgage payment will
be higher.
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