Based on the home's sale price, the term of the loan, buyer's down payment percentage, and the loan's interest rate, this calculator can help estimate what you'll need to pay out monthly for your new home. This calculator factors in PMI (Private Mortgage Insurance) for loans with less than a 20% down payment, as well as town property taxes and its effect on the total monthly mortgage payment.
In order to determine the amount of home you can afford a lender will use your debt-to-income ratio to determine the percentage of your pre-tax income you spend on debt. Your debt ratio will include: monthly housing costs, car payments, credit cards, student loans, and any other installment debt. If you take on more debt before buying a home it will have an impact on the amount of the loan that the lender will finance
There is a financial component to every real estate transaction and being able to address client's real estate related financing needs is part of our strength. Through our Caliber Home Loans affiliation, our agents are able to offer their clients access to a world class lender offering competitive rates to make every transaction a controllable and smooth one.
With the experience a decade provides, I listen to my clients' needs, finding the perfect loan for each one. I assess the individual circumstances of each client to determine the best game plan for home ownership.
My attention to detail and tenacity help assure a swift and successful loan acquisition and closure. I value my client relationships, earning their respect, loyalty and repeat business.
I am a graduate of the University of North Texas and have lived in the Dallas area for 15 years. I have a broad knowledge of the metroplex area and specialize in Kessler Park, Lakewood, Park Cities and Fort Worth.
I close all types of loans from conventional to builder loans, from 100% financed to interest only, for all types of buyers from first-timers to investors for all types of property from homes, condos, to land and construction.