Online Mortgage Calculators and Qualification

DEBT FREE including pay off of mortgage in 10-12 years! NO increase to current out-of-pocket expense. No obligation to use this service: a free analysis and breakdown.

Complimentary tools for all borrowers and visitors.

Calculate 3 different scenarios. Do not use any commas or dollar signs, or else you will get javascript errors!

# of Years	Interest Rate	Principal	Monthly Payment


Total Number of Payments

* Every home loan is different and the terms of your note or the terms of the loan you are searching for may use a different method of calculating your mortgage payment than the calculator above. This tool is provided purely for comparative reasons and may / may not reflect the actual payments of your loan. It is imperative you consult with a mortgage professional or your existing lender for exact payment figures. We are not responsible for any typographical errors, omissions or mistakes.

A quick way to calculate what you can afford traditionally

Front end ratio Gross monthly income times .33	Back end ratio- DTI Gross income /Total Debt Ratio of .45	Available to service car payments, credit cards, etc.
$5500 salary times 33% = $1815.00 Mo'ly Housing Expenditure (Include loan payments, any PMI, property taxes @1.25%, insurance, HOA fees)	$5500 times.45 = $2475 Avail. Monthly Total Debt Service	$2475 minus $1815= $660.00

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Call or email me to arrange either traditional or non-traditional solutions- Ann Marie Harmony - 619-546-5700

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Ann Marie Harmony