Berkeley, Albany and El Cerrito real estate and homes for sale in California - Terrence Jue, REALTOR® Terrence Jue REALTOR(r) for Berkeley, Albany and El Cerrito, California real estate - NUMBER1EXPERT™ Terrence Jue NUMBER1EXPERT(tm) for Berkeley, Albany and El Cerrito, California real estate
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Terrence Jue, REALTOR®, real estate agent and broker for Berkeley, Albany and El Cerrito California home listings, property and land for sale - NUMBER1EXPERT(tm)
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Mortgage Calculators: Berkeley, Albany and El Cerrito California home buying, real estate listings, and homes for sale in Alameda County, CA
Welcome > Resources > Mortgage Calculators > Your Income ...

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... 

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.

This Financial Calculator requires a Browser with Java Support



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:

  1. Monthly Income X 28% = monthly PITI
  2. 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.



Terrence Jue, REALTOR®, real estate agent and broker for Berkeley, Albany and El Cerrito California home listings, property and land for sale - NUMBER1EXPERT(tm)

Terrence Jue
Prudential California Realty
2095 Rose St.
Berkeley, CA. 94709
Office: 510 868-1471
Cell: 510 295-8836
Fax: 510 540-9957
Email: Terrence@TerrenceJue.com

Meet Terrence Jue, an exceptional East Bay Real Estate Professional, Terrence came to Mason-McDuffie honored as Agent of the Year for 1987 – 1991 in recognition of his outstanding service to clients, and his continued high sales achievement. Since then at Mason-McDuffie/ Prudential California Realty he has received many outstanding honors. Both sellers and buyers love Terrence’s energetic, First-Class service. Clients respect him as “…a conscientious hard worker who really cares.” They call him “extremely honest and ethical.” One of his clients wrote to say, “Terry has destroyed all our misconceptions about Realtors.” His Broker says, “He is a true professional. Terry always come through!” With a 16-year background of architecture and construction, Terrence is expertly qualified to provide clients with valuable insights about properties. To buyers and sellers he offers a free professional consultation on how to improve the value of a home. Terrence’s strategy is to educate his clients so they understand the local real estate market and can recognize a good – or great – deal when they see one. Choose your agent carefully! If you are seeking a real estate agent to represent you, call Terrence now. Meet him and evaluate his knowledge, abilities, personality, and style. You’ll discover for yourself why Terrence is so highly regarded by his many satisfied clients. For Personalized service from a Personal Agent.

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Prudential California Realty real estate and homes for sale in Berkeley, Albany and El Cerrito California

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