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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.
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Closing or Settlement >Net Sheet for Sellers
When you consider what price you should accept when selling your home, there are two important factors that will influence your decision. The first factor is the basic sales price. The second, and more important, is the amount you will actually receive from the proceeds at the closing.
Your real estate agent will prepare a seller's "net sheet" showing what your expenses will be. This will aid you in determining who pays what and when. It can help you to focus on the details of the sale.
A seller's expenses will include brokerage fees, real estate settlement fees, title insurance fees and special assessments. In some cases the buyer may ask you to pay some of the loan fees. Local real estate taxes will be pro-rated for you and the buyer, and you may be asked to place funds in escrow for payment of your final water bill. Subtract your mortgage balance any home improvement loans and other liens against the property that will be paid at the closing to come up with your final figures.
Your real estate agent can go over all of these factors with you when you list your home for sale and again as offers come in.
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What five basic components of a "smart home" can be controlled by technology?
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Lighting and window treatments, security and access control, data communication, environmental/energy management, and audio/video entertainment can all be operated by a "smart home". |
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Jane Johnson
Prudential Fox & Roach Realtors
1010 Stony Hill Road
Yardley, PA. 19067
Phone: (215) 504-7500 X7557
Fax: (215) 504-1794
Email: janejohnson@NUMBER1EXPERT.com
Working hard to help homebuyers and homesellers realize their dream is my goal. Loving my job is KEY to providing the top-notch service you expect, and the highest net profit YOU DESERVE! Your real estate transaction represents your most valued financial asset. Why not let my Value Creation Specialist skills work towards your home buying and selling needs? Prudential also leads the industry in advertising and marketing with more print, photo, and Internet advertising than any other agency.
At PaHomeCatcher.com, featured listings are promoted on a network of the most visited home search web sites such as NUMBER1EXPERT.com ,123Movers.com, RealEstateABC.com and many more. I also have an "Enhanced Listing Feature" option through Realtor.com so that my listings are guaranteed to get unlimited description space, additional photos, and scrolling text headlines!
Being an Accredited Home Staging Realtor also provides you with a valuable service. Staged homes help homeowners prepare their homes for sale to realize the highest price in the shortest amount of time possible! Did you know that homes that are professionally staged get 7 to 10% more than asking price with an average listing period of 10 to 14 days?
As a Luxury Home Specialist, I provide an excellent array of Fine Home Marketing options as well as knowing the Luxury Home market in Bucks County. Fine Homes will continually be featured on PaHomeCatcher for the Luxury Home buyer. So be it a historical home, a waterfront property, a town home, a rancher, a classic colonial, a contemporary, or an investment property, get EXCEPTIONAL services in Beautiful Bucks County to catch your next purchase or sale! 
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