Statesboro and Brooklet real estate and homes for sale in Georgia - Cindy Osborne, REALTOR®

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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.

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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.

School Reports in Statesboro and Brooklet, Georgia

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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The Heritage Foundation

Georgia Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Statesboro and Brooklet

Real Estate Tips

Real Estate Contracts >Completing The Sale

Some buyers and sellers arrive at the closing feeling terrific about the transaction. They like each other, their new home, their real estate agent, and even the lender! Others feel completely stressed out as a result of the transaction process. Whether you are the buyer or the seller, you can play a part in determining which of these scenarios characterizes your closing.

The professionals who are involved in real estate transactions work hard to make things go as smoothly as possible, but the quality of the transaction often depends not so much on what happens, but how you react to what happens. If you communicate confidence in the professionals who are helping you, the atmosphere will remain positive even if there are complications to be worked through. Real estate transactions are inherently complex. One of a real estate agent's most important responsibilities is to complete the sale, even if everything that could possibly go wrong occurs.

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Real Estate Trivia

Q	Where would you go if you wished to stay in the world's most expensive hotel room?
A	The Imperial Suite at the President Wilson Hotel in Geneva, Switzerland, which can be reserved for $33,000 per night.
See More Real Estate Trivia >

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Cindy Osborne, REALTOR®, real estate agent and broker for Statesboro and Brooklet, Georgia home listings, property and land for sale - NUMBER1EXPERT

Cindy Osborne, Broker/ Owner
RE/MAX Preferred Realty
208 South Main Street
Statesboro, GA 30458
Cell: 912-601-6000
Email: cindy@cindySOLDit.com
Cindy specializes in representing her clients in the purchase and sale of single-family residences, land and income property within the cities of Statesboro, Brooklet, Metter and Portal. She is also very familiar with Georgia Southern University in Statesboro having helped parents and investors buy and sell homes and condo's on and around the campus.She keeps current on all transactions in these areas, and is also very knowledgeable about the local schools. She carries a brokers license which means she is held to a higher standard of service and professionalism. She also has an ERS designation as a Relocation Specialist and understands this better than most having lived in more than 7 states in her adult life. She has the expertise and experience to work for you. You will enjoy her abundant energy and excitement about helping you call Georgia home. She really understands the work it takes to find the right home and will be there to walk you thru every step. She knows her job is not complete until you are totally satisfied and at ease with your transaction. Give Cindy a call today!!! 912-601-6000

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