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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.
Buying Land and New Construction >Building and Designing
If you are planning to build a new home, you should take full advantage of the opportunity to design a custom-built home that meets your needs and includes all the amenities you want. Create a professional-quality kitchen for the "gourmet cook" in the family, include space for a home office, and place the master suite at the opposite end of the house from the kids. Enjoy designing your dream home!
This may be the biggest project of your lifetime. Be certain to select a team of highly qualified professionals to work with you. Your home team should consist of a real estate salesperson, an architect, a builder, and a lender. Your "Dream Team" will assure that all the legal requirements are met as your dream home is being built. Interview each member of your team and ask for references, in order to be confident you are hiring the best people for the job. You will be working closely with these professionals for many months, so choose your team carefully.
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| Q |
Where can you find the world's largest residential palace?
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| A |
The Istana Nurul Iman, palace of the Sultan of Brunei, includes 2,152,782 square feet, 1,788 rooms, 257 bathrooms and a 110-car garage. |
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Crista McClure-Swan
Realty Executives
911 Hacienda Drive
Vista, CA. 92081
Phone: 760-458-0797
Fax: 760-295-2967
Licence: 01293835
Email: cristamcclureswan@NUMBER1EXPERT.com
Crista McClure-Swan is best known for her commitment to her clients and the personal relationships she establishes with them, as evidenced by the confidence and trust her clients have in her efforts. From first contact through close of escrow, Crista is always available to her clients and goes beyond her call of duty to make sure they have the best buying or selling experience possible. "If you are a buyer, whether it takes 1 day or 1 year to find you the right home, I'm committed to you and your needs and won't rush you. During escrow, I am in daily communication with my clients and take pride in the fact that my clients can feel comfortable calling me for whatever reason."
Crista backs her business and technology background and personal approach with proven performance. Crista was among the top 10% producing agents in her office in 2003. Crista has extensive buyer representative experience. Her client testimonials support her performance. As a listing agent, Crista offers extremely competitive pricing without sacrificing the full service clients require.   
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