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"I never thought that buying a home could be such a fun and memorable experience. Keep up the good work".
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"My home sold in less than 7 days for full price"
"John sold my home in less than 7 days for full price. I was so satisfied with his service, he represented me on my purchase. Thanks Johnny B."
"Mary J. Chandler"
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 Compare
three mortgages at one time. Download TripleCalc now. It's
free. |
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The Best Mortgage Calculators On the Web! Please try my 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.
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Selling Your Home >The Best Real Estate Agents
The best real estate agents in today's marketplace are becoming even better about marketing the homes they list to the public, as well as to other agents who have potential buyers.
When you are interviewing prospective real estate agents to help you sell your home, ask how they find buyers. In the past, a "For Sale" sign would go into the ground, the basic information went into the Multiple Listing Service, and then there was an occasional Sunday classified ad and an "open house". If the house did not sell right away, the agent might recommend a price reduction.
Agents today are much more sophisticated and pro-active about getting people into their homes. They rely on computers, direct mail, telemarketing, and just plain clever ideas that no one else has tried. Ask prospective listing agents for two things--a written analysis of what is happening with housing prices in your area and a marketing plan which outlines how they would get your home from "For Sale" to "Sold".
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| Q |
In what area of the United States did the price of existing homes increase most dramatically in 2005?
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| A |
Phoenix, Arizona real estate recorded a 55.2 percent increase in home prices during 2005. |
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John Beshk, Designated
Broker
The Beshk Group, Inc.
1409 W. Crystal Spring
Dr.
Gilbert, AZ 85233
Chandler Branch
908 W. Chandler Blvd., Suite
2, Bldg D.
Chandler, AZ 85225
Mesa Branch
1355 N. Greenfield Rd.
Mesa, AZ
85205
Office:
480-214-5347
Direct: 602-309-8888
Fax:
480-926-7308
Email: John@TheBeshkGroup.com
John Beshk has been
assisting Arizona home buyers and sellers with their real estate needs since
1992 and has helped hundreds of individuals and families realize their dream of
home ownership. Every buyer and seller has different wants and needs, which
makes finding an experienced professional like John and The Beshk Group, Inc. a
necessity. John and his team of professionals can provide you with the
individualized attention and service you deserve.
John is certified by
the Arizona Department of Real Estate and Maricopa Community Colleges to
provide pre-licensing, appraisal and continuing education instruction for real
estate agents and college students. All of his courses are open to the public
and available at Mesa Community College.
John earned his Bachelor of
Science in Finance from DePaul University and Master of Business Administration
from the University of Phoenix. John has resided in the East Valley since 1986
and currently lives in Gilbert with his wife, Mickie.
John is the
Designated Broker for The Beshk Group, Inc. a family owned and operated real
estate firm that prides itself on creating and maintaining sound relationships
with its past, present and future clients.
You can contact John by
telephone, email, request information through his website or by appointment at
his Gilbert, Chandler or Mesa offices.
   
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is brought to you by The Beshk Group, Inc.
NUMBER1EXPERT™ in
real estate for
Gilbert, Chandler and Mesa, Arizona Read John Beshk's
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