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Real Estate - Homes - NUMBER1EXPERTS Sell More!
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Mortgage Calculators
Welcome > Resources > Mortgage Calculators > Your Maximum Mortgage ...

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.

This Financial Calculator requires a Browser with Java Support



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:

  1. Monthly Income X 28% = monthly PITI
  2. 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.



School Reports in Sheboygan and Sheboygan Falls, Wisconsin
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Wisconsin Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
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Real Estate Tips
Selling Your Home >Marketing

When you list your home for sale, you and your agent must work as partners to ensure it sells as quickly as possible, and for the best price. While you take the necessary steps to make your property look good inside and out, your real estate agent will go to work to make sure your home is exposed to qualified buyers.

Real estate agents work with each seller to develop a written marketing plan. This enables you to know what your agent is doing to sell your home and what you can expect to happen while your property is on the market. It will also include suggestions on how to make your home sell. There will be regular communication between you and your real estate agent from the day the listing agreement is signed. The agent will give you progress reports and feedback from the people who have seen your home. You will also have frequent opportunities to ask questions and discuss changes in the marketing strategy.

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Real Estate Trivia
Q 
Which city in the U.S. has the longest formal name, but the shortest abbreviated name?

A 
El Pueblo de Nuestra Senora la Reina de los Angeles de la Porciuncula is the full name for Los Angeles, known as "LA".
See More Real Estate Trivia >


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Linda Buchmann, REALTOR®, real estate agent and broker for Sheboygan and Sheboygan Falls, Wisconsin home listings, property and land for sale - NUMBER1EXPERT

Linda Buchmann
ERA Three Oaks Realtors

5210 Vanguard Drive
Sheboygan, WI 53083
Phone Linda: 920 565 4545 ext 106
Phone Duane: 920-565-4545 ext 107
Fax: 920-565-4243
lindabuchmann@NUMBER1EXPERT.com
duane.buchmann@era.com

The Buchmann Team, Linda is the driving force of the Buchmann Team. Linda's husband Duane assists Linda to ensure Customers and Clients get the service they deserve. We work together very closely to ensure that we earn your business. Linda has lived and worked in Sheboygan since 1967. She’s raised her family in Sheboygan. Linda has experienced many changes in Sheboygan Real Estate and really understands Sheboygan’s Real Estate Market. The Buchmann Team has a well known reputation for friendly personal service. You'll truly enjoy the experience of working with true professionals, who care about your needs.

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