Naples, North Naples and Bonita Springs real estate and homes for sale in Florida - Mara & Michael Muller, REALTORS® The Mara Muller Team REALTORS(r) for Naples, North Naples and Bonita Springs, Florida real estate - NUMBER1EXPERTS™ The Mara Muller Team NUMBER1EXPERTS(tm) for Naples, North Naples and Bonita Springs, Florida real estate
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The Mara Muller Team, REALTOR®, real estate agents and broker for Naples, North Naples and Bonita Springs Florida home listings, property and land for sale - NUMBER1EXPERT(tm)
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Mortgage Calculators: Naples, North Naples and Bonita Springs Florida home buying, real estate listings, and homes for sale in Collier County, FL
Welcome > Resources > Mortgage Calculators > Your Maximum Mortgage ...

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.

This Financial Calculator requires a Browser with Java Support



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:

  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.



The Mara Muller Team, REALTOR®, real estate agents and broker for Naples, North Naples and Bonita Springs Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Mara & Michael Muller, Realtors
Premier Properties of Southwest Florida, Inc.
Across from The Ritz-Carlton
325 Vanderbilt Beach Road
Naples, Florida 34108
Mara's Cell: 1-239-272-6170
Office: 1-239-594-9494
Email: Mara@MaraSellsNaples.com

The Mullers have raised their family and worked in Naples since 1996. As a Realtor in Naples, Mara became a record-setting Rookie of the Year in 2002. In addition to writing the monthly column "Real Estate for Real People" for the magazine, Neapolitan Family, she is a Certified Residential Specialist (CRS, a designation earned by fewer than 4% of Realtors nationwide), an Accredited Buyer's Representative (ABR), and e-Pro agent. Michael Muller worked the first 10 years of his career in relationship management for the Commerzbank and Banque Nationale de Paris in Europe. In 1996 Michael, Mara and their oldest daughter moved from The Netherlands to Naples, where for six years Michael was a private banking officer and lender at Northern Trust and a VP Consulting for a Florida-based Investment Advisory firm. For the past two years the Mullers have been honored by the Naples Chapter of the Women’s Council of REALTORS® with the Top Producer Awards General Real Estate Sales!

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