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All agents are NOT alike! Find out why we are top real estate experts. Call us: 314-504-3212. We sell a house every 2 days!

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"I thought you did an absolutely great job in helping me sell my house on Bancroft"
Yours sincerely, Michael Yonan
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TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Jim and Kate Potterfied is one of The Top Selling Real Estate Experts™
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School Reports
See the nation's top rated reports for Schools in St Louis City, South County and Affton >


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Mortgage Calculators
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.



School Reports in St Louis City, South County and Affton, Missouri
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

Missouri Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in St Louis City, South County and Affton 



Real Estate Tips
Selling Your Home >Your Selling Strategy

Have your housing needs expanded along with your income? Are you are thinking about selling your property and looking for a new home? The transition can be accomplished smoothly by using a systematic approach.

As part of your selling strategy, it is advantageous to have your present house under contract before you begin a serious search for a new home. This will make you attractive to sellers in two ways. You won't have to include a contingency in your offer to cover the sale of your present home. You will strengthen your negotiating position by improving your financial circumstance with an accepted offer. In a situation where there are multiple offers on the new home, the chances of your offer being accepted are better if it isn't dependent on selling another house before you can make a move.

See All Tips In The "Selling Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
How many step are there leading to the top of the Eiffel Tower in Paris, France?

A 
Visitors who walk to the top must go up 1,792 steps.
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Jim and Kate Potterfied, REALTOR®, real estate agents and broker for St Louis City, South County and Affton, Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Jim and Kate Potterfield
RE/MAX Results

6407 Hampton Ave
St. Louis, MO. 63109
Phone: 314-504-3212
Fax: 314-352-7655
Office: 314-352-7770
Email: jimpotterfield@NUMBER1EXPERT.com

Hi! We're Jim & Kate Potterfield and we are eager to help you achieve your Real Estate goals. We want you to be happy with our service, We have 3000+ happy customers-we want you to be one too! Our office manager, Tammy Sessler will ensure that your transaction is handled to your satisfaction. Our motto is" Experience... the difference!

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