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All agents are NOT alike! I am a top REAL ESTATE EXPERT. 1-888-659-0555 Kay Bell, Broker Associate, REALTOR, ABR, ASR, CNE, CRS, SRES, RE/MAX ELITE
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There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
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 Compare three mortgages at one
time. Download TripleCalc now. It's free. |
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The Best Mortgage Calculators On the Web! Please try my Java loan and mortgage calculators. They take a minute to load, but they are worth it! Each calculator has dynamic graphs and charts that change - right before your eyes - as you enter different information. Try each calculator with different interest rates, loan amounts, and payment schedules. The mortgage repayment schedule and other reports are fully customizable - just for your home, your interest rate, your loan amount, your taxes, and more. Would you like a print out, for your records and future reference? Each calculator includes a View Report button. Click it, hit print, and you have a report, customized just for you... What's Your Maximum Mortgage?
What is your maximum mortgage? That largely depends on your income and current monthly debt payments. This calculator collects these important variables and determines your maximum monthly housing payment and the resulting mortgage amount.
Definitions
- Monthly income
- Total monthly income from all sources. All income should be entered before taxes.
- Monthly housing expenses
- Your monthly houses expenses from the housing expenses worksheet. The items entered as housing expenses make up the taxes and insurance portion of your monthly PITI payment.
- Monthly liabilities
- Your monthly liabilities from the liabilities worksheet. Your monthly liabilities are used to calculate your maximum PITI.
- Monthly housing payment (PITI)
- This is your total Principal, Interest, Tax and Insurance (PITI) payment per month. This includes your principal, interest, real estate taxes, hazard insurance, association dues or fees and principal mortgage insurance (PMI). Maximum monthly payment (PITI) is calculated by taking the lower of these two calculations:
- Monthly Income X 28% = monthly PITI
- Monthly Income X 36% - Other loan payments = monthly PITI
- Maximum principal and interest (PI)
- This is your maximum monthly principal and interest payment. It is calculated by subtracting your monthly taxes and insurance from your monthly PITI payment. This calculator uses your maximum PI payment to determine the mortgage amount that you could qualify for.
- Start interest rates at
- The current interest rate you could receive on your mortgage. This is used as the starting point for displaying a range of interest rates and the resulting mortgage amount.
- Term in years
- The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.
The mortgage calculators are provided by KJE Computer Solutions, LLC and made available to NUMBER1EXPERT as self-help tools for your independent use and are not intended to provide investment advice. We can't guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Pricing >Different Markets
If you are going to sell your present home, the market conditions will play a crucial role in determining the asking price. Market conditions change constantly, so it is important that you get solid advice from a real estate professional who is familiar with your specific area.
A good real estate agent will know how quickly houses in your area are selling, and will be aware of other factors that may influence the sale. For example, nearby commercial development, which may create congestion and noise, may also mean a greater demand for housing from people who will be working in the new office buildings. A bus route that cuts commuting time could make your home more valuable, while major highways close by can be an issue for many buyers. The economic conditions have a strong impact on the real estate market. Real estate professionals can help you consider all of the issues and assist you in setting a fair price for your home.
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What is arguably the world's strangest (and most dysfunctional) kitchen?
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In 1998 the Kemper Museum of Contemporary Art in Kansas City first displayed a kitchen made entirely of 40 million colored glass beads by artist Liza Lou of Topanga, California. |
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Kay Bell, Broker Associate, REALTOR
ABR, ASR, CNE, CRS, SRES
RE/MAX Elite - Demand Elite Service
1355 S. Higley Rd., Suite 113
Gilbert, AZ 85236
Direct: 888-659-0555
Fax: 888-659-0555
DIRECT CONTACT: INFO@K4Homes.com
Kay Bell at RE/MAX Elite
DIRECT TOLL FREE & FAX: 1-888-659-0555
Broker Associate, REALTOR, ABR, ASR, CRS, SRES, CNE
"Real Estate Is My Lifestyle, Not My Job". I Live it, and Love it, every single day.
Number1Expert in 85207, 85208, 85215, 85205, 85206, 85209, 85212 for relocation to Mesa Arizona however I cover the entire East Valley and have agents to refer you to if you are looking beyond my scope of expertise.
www.K4Homes.com
www.85207AZ.com
INFO@K4Homes.com
5 Local offices:
-"Gilbert"/"Mesa" /Gold Canyon/Queen Creek
-"Chandler"(2)/Ahwatukee/Phoenix
-"Tempe"/Scottsdale
-"Maricopa"/Casa Grande
-Broker Associate - highest level of agent!
-REALTOR - belong to NAR...National Association of Realtors
-Accredited Buyer's Representative - ABR - SAVING YOU TIME, MONEY, FRUSTRATION
-Certified Residential Specialist - CRS - More EXPERIENCE & EDUCATION - to help YOU!
-Accredited Seller's Representative - ASR -Indepth Education to assist ALL SELLERS!
-Certified Negotiation Expert - CNE - Advanced education to assist you whether buying or selling - protect your most expensive investment with an EXPERT! Only 1100 in the US!
-Seniors Real Estate Specialist - SRES - Helping those over 40 with their real estate needs and those of their parent generations too.
P.S.
Your referral is the highest compliment I can receive! DON'T KEEP ME A SECRET...THANK YOU for thinking of me for your associates, friends and family WORLDWIDE. No limits to MY RE/MAX network of over 120,000 agents to serve my clients better!      
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