Vicki Workman Team, KW Consultants Realty
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Going the Extra Mile Since 2003!

Vicki, We Want to Get Moving NOW!


Your first step is to pre-qualify so you are comfortable in what you can afford.  After all, you don't want to have to live on mac & cheese & peanut butter just to get into your home!  Let's determine if it's the right time and the right budget for you. 

To:  Vicki Workman, ABR,CRS, E-Pro, GRI, SFR
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Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.


Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
Results
  Receive this Detailed Analysis

Your Monthly Payments
 
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
 
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %

Vicki Workman's Team Page  |  Buyer's Resources  |  Find Your Home  |  Mortgage Calculator  |  Sell My Home!  |  What's My Home Worth?  |  Your Expired Listing  |  Mill Valley Homes  |  Move to Marysville   |  Move To West Jeff  |  Vicki's Blog  |  See What Our Clients Say!  |  Contact Us NOW  |  About Hannah Smith  |  About Vicki Workman  |  About April Sheldon
Your Questions Answered  |  See Our Listings
 

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