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To find the right mortgage for your financial situation, use our mortgage calculator as a guide to figure out your estimated monthly payments, interest and principal rates, and the length of the mortgage.

Generally, a mortgage payment consists of PITI: Principal, Interest, Taxes, and Insurance. Principal is the monthly payback of the loan amount; Interest is the monthly payment of the cost to borrow the principal amount; Taxes consist of Real Estate taxes, which is paid to a local government agency; and Insurance deals with Homeowners insurance and any mortgage insurance (paid to protect the mortgage company). Buyers should also be aware that there are many types of mortgages, two of the most popular mortgages are: fixed and adjustable. Fixed mortgages have fixed interest rates and terms (e.g., 15 or 30 years). Principal payment and interest won’t change during the term, and both the interest rate and term are determined at the beginning of the mortgage. Adjustable mortgage rates, or ARM, are different from fixed mortgages in that the interest rate will go up or down depending on the current interest rate levels. The same can be said about the monthly principal and interest payments.
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* (30 years = 360 months, 25 years = 300 months, 20 years = 240 months) Please use any above calculated results as a guide. Receive the actual payment schedule from your lender in writing. This calculator works only if your browser supports Javascripts.
"Ben StrockYour Local Real Estate Expert Specializing in Capitola, CA"
Capitola Realtors
Ben Strock
CA# 01337838
Direct: 831-247-0922
Fax: 831-603-7003
www.enjoysantacruz.com
Strock Real Estate
251-A Center Avenue
Aptos, CA 95003
Owner, Founder, Broker of Strock Real Estate

Born and raised among a family of Realtors, Ben Strock has Real Estate in his blood. From a young age Ben worked for his father, a real estate broker of 30 years in Palo Alto, and owner of Strock Realty and Financial. This relationship taught Ben valuable life experiences and helped him amass an unusual knowledge of real estate which has proven invaluable to his clients. A graduate of the University of Oregon with a B.S. in business-economics (banking and finance concentration), Ben was a licensed agent at the time of his graduation. Education combined with experience, integrity and motivation to be the best propelled him far above the competition. Starting his career with Janice Spencer and Associates, Ben quickly earned his place among Santa Cruz County's most respected agents, earning the trust of both his contemporaries and clients. During his time working with Janice Spencer & Associates he was honored as "Top Producing Agent in 2003", again from 2004-2007. Ben has assisted many first time homebuyers, sellers, investors, contractors, developers, and vacationers fulfill their dreams. His negotiating skills and attention to detail make him a valuable asset for any transaction.

After years spent gaining local knowledge and an excellent reputation, Ben has set out on an exciting new path by opening Strock Real Estate in Aptos. His mission is simple: Continue to provide the very best for his clients through hard work, dedication and integrity. At Strock Real Estate, you will find comfort and reassurance knowing that you have the best possible representation on all your real estate needs. Whether you're buying, selling or renting a home, looking for financial guidance or simply looking for some honest advice, Strock Real Estate will be here to help. With a long record of successful transactions in this county, and the experience and skills to back it up, Ben likes to consider every client "a client for life."

If you are ready to purchase a new home and want a private consultation, or are interested in selling your existing home, please call Ben today at 831-247-0922 or email bdstrock@gmail.com. Testimonials
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