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Mortgage Calculators
Welcome > Resources > Mortgage Calculators > How Much Can You Afford? ...

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... 

How Much Can You Afford?

The first step in buying a house is determining your budget. This calculator steps you through the process of finding out how much you can borrow. Fill in the entry fields and click on the "View Report" button to see a complete amortization schedule of your mortgage payments.

This Financial Calculator requires a Browser with Java Support


Definitions

Annual income
Your annual income before taxes. For married couples this is your total combined annual income before taxes.

Purchase price
The price of the home you wish to purchase. This is the actual price you'll pay, not including any closing costs.

Total monthly payment
Total monthly payment that you can qualify for. This is the total of principal, interest, taxes and insurance paid each month. Often called PITI.

Cash on hand
Cash you have for the down payment and all closing costs.

Interest rate
The current annual interest rate you can receive on your mortgage.

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.

Property tax rate
Your property tax rate. 1% for a $100,000 home equals $1,000 per year in property taxes.

Home insurance rate
Your homeowner's insurance rate. 0.5% for a $100,000 home equals $500 per year for homeowner's insurance.

Monthly car payment(s)
Total monthly payment for your car loan(s).

Credit card payments
Total monthly minimum payments for your credit cards.

Other loan payments
Any other installment loan payments, such as student loans or unsecured loans.

Total closing costs
Total upfront costs to close your loan. This is the total of your loan origination fee, points paid and other closing costs.

Loan origination rate
The percentage the lending institution charges for its origination fee. 1% for a $100,000 home equals $1,000.

Number of points paid
The total number of points paid to reduce the interest rate of your mortgage. Each point costs 1% of your mortgage balance.

Other closing costs
Estimate of all other closing costs for this loan. This should include filing fees, appraiser fees and any other miscellaneous fees paid.

Monthly PMI payment
Monthly cost of Principal Mortgage Insurance (PMI). For loans secured with less than 20% down, PMI is estimated at 0.5% of your loan balance each year. Monthly PMI is calculated by multiplying your starting loan balance by this percent and dividing by 12. When the equity in your home exceeds the percentage required for PMI, your PMI payment drops to zero. Please note that this is only an estimate of your actual PMI. The amount you may be required to pay may be higher or lower than our estimate.

Monthly PI payment
Monthly principal and interest payment.

Total for down payment
Total funds remaining, after closing costs, for down payment.

Limit down payment
Limit your down payment to percentage required to eliminate the need for PMI payments. Even if you have more cash on hand than required for closing costs checking this box will limit your down payment to the minimum amount required to forego PMI.

Show schedule by month
Display the payment schedule by month when you press the "View Report" button.

Show schedule by year
Display the payment schedule by year when you press the "View Report" button.

Total annual income debt percentage
Not shown. This is the percentage of your annual income your financial institution allows you to use for debt installment payments. This includes car payments, credit card payments, other loan payments and your "Principal, Interest, Tax and Insurance" payment for your home. The default rate is 36%.

PITI annual income percentage
Not shown. This is the percentage of your annual income your financial institution allows you to use for your "Principal, Interest, Tax and Insurance" payment for your home. The default rate is 28%.

Qualify amount
Shown as "Total monthly payment." This is the total amount you qualify for per month. This amount is the total of "Principal, Interest, Tax and Insurance" for your home.

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.



School Reports in Medford, Marlton and Medford Lakes, New Jersey
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

New Jersey Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Medford, Marlton and Medford Lakes 



Real Estate Tips
Working With An Agent >A Real Estate Agents Expertise

If you are using the services of a professional real estate agent to find a new home, good communication is crucial to the transaction. A real estate agent who knows your most significant criteria can work much more effectively to show you homes that will meet your needs.

Let the real estate agent know why you are interested in a specific location. Discuss specific requirements such as proximity to your job, good schools, or recreational activities. If there are no houses available in your price range, the agent may suggest alternate neighborhoods with the same amenities. Do you need a home office or do you have hobbies that you want to accommodate? Is there a particular style of architecture that you prefer?
Agents sometimes have to be intuitive when we work with buyers. The more you can describe to your agent what elements in the home are essential and where you are willing to compromise, the easier it will be to use their expertise to find a home that's perfect for you.

See All Tips In The "Working With An Agent" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Where was the first hotel built in the US?

A 
The Union Hotel (1802) Saratoga Springs, NY, is the first hotel emphasizing lodging and services, in addition to food and drink.
See More Real Estate Trivia >


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Valerie Bertsch, REALTOR®, real estate agent and broker for Medford, Marlton and Medford Lakes New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Valerie Bertsch
Prudential Fox and Roach Realtors

352 Stokes Road, Suite 1
Medford, NJ 08055
(609) 654-1888 ext. 123
Fax: (609) 953-1714
valeriebertsch@NUMBER1EXPERT.com

Selling or buying a home is one of the biggest decisions of your life. And it is not an easy one. Selling or buying a home can be a complicated and involved process. That is why the right real estate agent can make all the difference. You need an agent who will be there for you. An agent who knows real estate inside and out. An agent who will get the results you're looking for.

Introducing Valerie Bertsch. The right agent.

Valerie Bertsch is the #1 agent at the Medford Home Marketing Center. She has had over 500 real estate transactions in all price ranges. But most importantly, Valerie is committed to her clients. She represents them until she gets the results they want. And with Valerie, that tends to happen sooner than later. She works hard for her clients, always keeping their best interests at heart. As an experienced negotiator, Valerie knows how to get the results her clients want. Valerie Bertsch is the right agent. And the right agent makes all the difference.

Valerie is a native of South Jersey who knows the Medford area and its neighborhoods as well as anyone. After being in the real estate industry for over a decade, she has been awarded the New Jersey Association of Realtors Gold Award for 2001, 2003 & 2004, the New Jersey Association of Realtors Distinguished Sales Club Award, and Top Producer of the Medford Home Marketing Office for 2003, 2004 & 2005.

As her resume highlights, Valerie has won many awards for her distinctive work with home buyers and sellers like you. Valerie is also a Certified Residential Specialist (CRS) earned by only 5% of the nation’s Realtors, a Graduate Real Estate Institute (GRI), a Fine Homes Specialist, E-Certified, a Certified Corporate and Relocation Specialist, and an active member of the National Association of REALTORS®. But ultimately, as a real estate professional, Valerie wouldn't have all these great titles and awards if it wasn't for one thing. Results. Valerie knows how to get them. And as your agent, she will get them for you. In addition to helping people move around town, Valerie is also an expert in helping people move to town. As an experienced relocation expert and a familiar name in the industry, Valerie puts into effect her comprehensive knowledge of the South Jersey area, its neighborhoods and its people. She knows the market, she knows value and she knows homes.

In addition to Valerie's individual success, she is backed by the Tri-State area’s premier broker, Prudential Fox & Roach Realtors--an industry leader, woven into the fabric of our communities since 1886. Valerie also has a team of real estate professionals working with her to make sure her clients' needs are always being met--and usually exceeded. Valerie and her team are totally committed to helping buyers and sellers. Seven days a week - even 24 hours a day, if necessary. Whatever it takes to bring a buyer and seller together.

Equal HousingMLSREALTOR


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