Portland, Beaverton and Bethany real estate and homes for sale in Oregon, new construction, relocation - Jaci Mitchell, REALTOR® Jaci Mitchell REALTOR(r) for Portland, Beaverton and Bethany, Oregon real estate, new construction, relocation - NUMBER1EXPERT™ Jaci Mitchell NUMBER1EXPERT(tm) for Portland, Beaverton and Bethany, Oregon real estate, new construction, relocation
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Jaci Mitchell, REALTOR®, real estate agent and broker for Portland, Beaverton and Bethany Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)
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Mortgage Calculators: Portland, Beaverton and Bethany Oregon home buying, real estate listings, and homes for sale in Clackamas, Multnomah and Washington County, OR
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.



Jaci Mitchell, REALTOR®, real estate agent and broker for Portland, Beaverton and Bethany Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

Jaci Mitchell
Keller Williams Realty Professionals
9755 SW Barnes Rd. Suite 560
Portland, OR 97225
Tel: 503-260-1113
Fax: 503-748-8374
Office: 503-748-8324
Email: JaciMitchell@kw.com

Jaci Mitchell, a native Oregonian, has been providing superior service to real estate Buyers and Sellers in Portland and surrounding areas for over 13 years. In today’s market, having the assistance of a Realtor with experience is more important than ever. Jaci’s level of experience allows her to get her Sellers the most money in the shortest amount of time. Jaci believes that building relationships and having balance is the key to all successes. Jaci has won multiple awards over the years for her service and volume. In 2002 Jaci received “Sales Person of the Year” presented by The National Sales & Marketing Council. Jaci is the agent to go to for the “Experience & Service You Expect and Deserve.” If you expect superior service from your Realtor then give her a call or send an email today.

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Keller Williams Realty Professionals real estate and homes for sale in Portland, Beaverton and Bethany Oregon

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