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If you can afford a 10, 15, or 20-year loan instead of a 30-year mortgage you will SAVE BIG. Ask lenders to run these different scenarios for you or do it yourself using this calculator.

http://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx

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Banks are notorious for miscalculating adjustable-rate mortgage interest rates. So just before your rate is going to reset, you should check it yourself using this calculator:

http://www.bankrate.com/brm/Calsystem2/Calculators/MortgageResetCalculator/default.aspx

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