|
All agents are NOT alike! Find out why we are top real estate experts. Call us: 317-848-0008.
|
Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
Find Out More >
View All Offers >
|
 Compare three
mortgages at one time. Download TripleCalc now. It's free. |
The O'Neil Team is one of The Top
Selling Real Estate Experts™
Find Out More > |
|
|
|
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... 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.
Home Inspections >Inspection Repairs
When you sell a house, the buyers will probably have a home inspection before they sign a contract to purchase the home. The inspector may turn up something that needs attention or repair, and after the inspection, the buyers may produce a list of items they want repaired as a condition for moving forward on the sale.
When you get the buyers' list, remember that some of the items may be negotiable. Sales contracts usually require that all the systems be in working condition. Some buyers may make requests that go beyond the normal obligations of the seller. They may ask for a new roof or certain structural repairs that you may not want to make. Your agent can help you to assess the risks of just saying "no" to buyers who are making demands you consider to be unreasonable. You may decide to decline the requests, but the buyers may also decide to back out of the deal as a result.
When you agree to make repairs, hire licensed professionals who will guarantee their work, and give copies of the reports to the buyers. Arrange to have the repairs made as far ahead of time to avoid last-minute complications which could compromise the transaction.
|
| Q |
What Hollywood star made the first footprint outside Grauman's Chinese Theater?
|
| A |
Norma Talmadge accidentally stepped in wet concrete outside the building in 1927. |
 See More Real Estate Trivia > |
|
|
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.  
 
www.TheONeilTeam.com is brought to you by
The O'Neil Team
NUMBER1EXPERT™ in real estate for
Carmel, Westfield and Zionsville, Indiana, Golf Communities, Luxury Homes Read The O'Neil Team's
Privacy Guarantee,
Terms of Service,
and
Free & Without Obligation Pledge
|
NUMBER1EXPERT™
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed. |
- NUMBER1EXPERT™ 
