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All agents are NOT alike! Find out why we are top real estate experts. Call us: 317-848-0008.
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The Best Mortgage Calculators On the Web! Please try our 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... How Much Should Your Income Be?
What income is required to qualify for a mortgage? That largely depends on your monthly debt payments and the current interest rate. This calculator collects these important variables and determines your required income to qualify for your desired mortgage amount.
Definitions
- Desired mortgage amount
- The total loan amount you are looking to qualify for.
- 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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Great curb appeal goes a long way toward attracting buyers to a home that is for sale. Many of our sales have been generated by a "For Sale" sign in front of a home that is beautifully landscaped. Prospective buyers who admire a home's exterior often prove to be among the most interested in the property.
An investment in attractive landscaping can help your home sell more quickly. If you have a moderately green thumb, you can get a lot of free advice from local nurseries. They can give you tips on what will look good in your yard, considering the time of year, the available light, and the type of plants that do well in the area. You will probably be able to choose from many attractive low-maintenance plants that will add color and vitality to your yard. Whatever the season, a few dollars invested in your front yard will usually reap much greater benefits than your original investment.
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Jay and Martha O'Neil
Sycamore Group Associates
31 First Street SouthWest
Carmel, IN. 46032
Phone: 317-848-0008
Email: jayandmarthaoneil@NUMBER1EXPERT.com
The O'Neil Team is the best choice for your real estate needs in Indianapolis, Hamilton County and surrounding areas. We joined Sycamore Group Associates in search of a more versatile atmosphere, after over 30 combined years in the business. We are excited about the growth and wealth of opportunity that this progressive, upscale company has to offer.
By virtue of being recognized as one of the top-ranked teams year after year, focusing on Boone, Hamilton and Marion Counties, we feel we will be able to offer you, as our friends and clients, a more personalized, specialized boutique style service.
We feel strongly about the bright future of Sycamore Group Associates and our intentions to be the best in the business. Sycamore Group Associates offers the perfect blend of small town charm and metropolitan class and perfectly accents the grace and beauty of our office.
The independence of Sycamore Group Associates continues to allow us to hone our strengths, those of dedicated customer service, creative flair and industry knowledge, in order to provide you with the best real estate experience. Our job is to continually learn, grow and fine tune our professionalism so our clients can benefit from our knowledge and expertise.  
 
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