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832.483.0829

The Gifford Group

Signed in as:

filler@godaddy.com

  • Home
  • Home Search
    • 55 Plus Communities Homes
    • Cypress Homes
    • Dream Homes
    • Find A New Home
    • Home Listings
    • Homes with pool
    • Katy Homes
    • Houston Homes
    • Fulshear Homes
    • Missouri City Homes
    • New Construction Homes
    • Land for Sale
    • Map Search
    • Richmond Homes
    • Spring Homes
    • Sugarland Homes
    • The Woodlands Homes
    • Tomball Homes
    • Foreclosure homes
    • For Lease Homes
    • Advanced Home Search
  • Home Resources
    • Apply Now
    • One-Stop Real Estate
    • Current Mortgage Rates
    • What Is My House Worth
    • Home Buyer's Guide
    • Home Seller's Guide
    • Owner Financing Homes
    • HAR Houston Homes
    • Houston HOA Homes
    • Real Estate Market News
  • Blog/Info
    • New Beginnings Blog
    • Contact Us
    • Order Our Book
    • Our Team
    • Real Estate Agents
  • Calculators
    • Buy Vs Rent Calculator
    • Mortgage Calculator
    • House Affordability
    • Closing Cost Calculator
    • Reno Loan Calculator
    • Capital Gains Calculator
    • Mortgage BuyOut
    • Blended Rate Calculator
    • Mortgage Assumption Tool
    • Seller Net Sheet Texas
    • Buyer Closing Cost
    • Property Taxes Calculator
    • 3/2/1 BuyDown Calculator
    • Rate Buydown Calculator
    • Real Estate Commission
    • Rental Calculators
    • Refinance Closing Cost
    • BRRRR Calculator
    • Cash on Cash Returns
    • Loan Comparison Tool
    • DSCR Loans
    • Inherited property Homes
    • Home Builder Discounts
    • FHA 203K Loan Calculator
    • Energy Cost Calculator
    • Affordability of Rent
  • Divorce
    • Navigating Divorce Book
    • Child Support Calculator
    • Divorce Buyout Calculator
    • Divorce Videos
    • Divorce Real Estate
    • My Divorce Real Estate
    • Refinance Now
    • Divorce Checklist
    • Divorce Resources
    • Divorce Seminar
    • Divorce Support
    • What Happens To The House

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Mortgage Calculator, Calculate my mortgage payment

How to Use the mortgage Calculator

What a mortgage calculator can do for you

Determining what your monthly house payment will be is an important part of figuring out how much house you can afford. That monthly payment is likely to be the biggest part of your cost of living.


By using the mortgage calculator, you can estimate your mortgage payment when you buy a home or refinance. By changing loan details, you can run different scenarios. The calculator can help you decide:


  • Choose the home loan term length that is right for you. You'll pay more interest over the loan's life with a 30-year fixed-rate mortgage, but your monthly payments will be lower. Although a 15-year fixed-rate mortgage reduces total interest payments, monthly payments are higher. Apply today


  • Whether an adjustable-rate mortgage is right for you. An adjustable-rate mortgage begins with a "teaser" interest rate and the loan rate changes - higher or lower - over time. If you plan to stay in your home for only a few years, a 5/1 ARM might be a good choice. You’ll want to be aware of how much your monthly mortgage payment can change when the introductory rate expires, especially if interest rates are trending higher. 


  • If you buy too much house. When you consider taxes, insurance, and private mortgage insurance, a mortgage calculator can give you a realistic idea of how much you can expect to pay a month.  The Hidden Costs of Homeownership, and How to Save Money.


  • Considering how much you put down. These days, you can put down as little as 3.5% as a down payment. You can use the mortgage payment calculator to determine what the best down payment is for your situation.


  •  Your debt-to-income ratio is the percentage of pretax income that goes toward monthly debt payments, including the mortgage, car payments, student loans, minimum credit card payments, and child support. Lenders look most favorably on debt-to-income ratios of 36% or less — or a maximum of $1,800 a month on an income of $5,000 a month before taxes. Check out our House Affordability calculator


  •  Need a renovation loan, to help with unexpected repairs? 


  • What about Blending mortgage rates, check out our Blended rate calculator 




Search our  MORTGAGE GLOSSARY

 

Mortgage rates, Rates are still near record lows.

Apply Today

Mortgage Affordability & Payment Calculator

Mortgage Calculator, How Much House Can I Afford?

 We show you how to use our Mortgage Calculator to calculate a mortgage payment. 

We also cover Private mortgage insurance and in what cases you will need to include PMI.   

You can also use our mortgage calculator to find out how much money you need to make a year or monthly so you can qualify for a mortgage of that size.  

Mortgage Rates Today

How Much House Can I Afford with a 200K Salary?

  Mortgage Calculator Determine how much house you can afford 


Read the blog post  

How Much House Can I Afford with a 200K Salary?

Or 150K?



Get Pre approved today with the Gifford Group
Mortgage Help, Understand your options for home purchase.

Get Approved with a Local Lender

Getting pre-qualified is the first step to homeownership.  

Download our Buyer Home Guide.


We are local lenders that can help get you pre-qualified today so you can get you into a new home quickly.  Apply today

Get Connected

Blended Rate Calculator Mortgages

Mortgage Loan officer

The Gifford Group Home Loans

Mortgage Banker | NMLS # 2357310

Loan Buyout

Get loans to buyout someone else out of a property. 


Conventional Loans 

Conventional Loans have more options for a wider range of properties and buyers.  Learn more about the Local Real estate Market. 


FHA is Popular with first-time buyers, 

FHA Loans allow borrowers with 3.5% down to finance a home.


Cash Out Refinance 

A cash-out refi happens when you replace an existing home loan by refinancing a larger loan.


VA and HERO Loans

Our Hero Loan program covers both VA Loans as well as Hero loans for our Community Heroes.


Looking For a Renovation Loan? 

FHA 203k Standard and Limited loans available 

Great for Purchases of Primary Residences that need Repairs done.  


We also offer HomeStyle loans that are more flexible renovations Loans than the FHA 203(K), It can be used for Vacations homes or Second Homes and Investment Properties. (Up to 9 months for repairs vs 6 months for 203K)  


Jumbo Loans

We offer Jumbo loans as well. 


See where else besides Texas  Mi Mutual is Licensed 

 

Thinking about getting a Loan for a House?


Search our Mortgage glossary

Apply Today

Mortgage Calculator with Amortization Schedule

VA Loans. The Greatest Loan product around!
12 THING TO KNOW ABOUT VA LOANS

VA Loans

Learn how we can help get you into a new home using your VA benefits today!   Apply today

Learn how

Rent Affordability Calculator - How Much Rent Can I Afford?



Cover All Your Real Estate Needs in the Greater Houston Metroplex. 

 Loans in  40 different states 


The Gifford Group, LLC - All Rights Reserved.

Equal Housing Opportunity

Opening Doors to New Beginnings

 Copy Right 2024 The Gifford Group. All rights reserved. All photos, images, and videos on this website are copyrighted and may not be downloaded reused without the written permission of the Gifford Group


Amber Gifford, TREC Lic. #0732687

INFORMATION ABOUT BROKERAGE SERVICES 


Scotty Gifford TREC Lic. #0740987

 Information About Brokerage Services



Scotty Gifford NMLS ID # 2357310

Mortgage lender is mimutual  NMLS # 12901   

MiMutual Mortgage is not affiliated with The Gifford Group. 

Scotty Gifford is both a licensed real estate agent and Mortgage Loan Officer (MLO) at MiMutual Mortgage
Texas Real Estate Commission Consumer Protection Notice


 Broker is Amber Gifford of The Gifford Group, LLC

Real Estate LLC, License #9014675 



 

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Lender is MiMutual Mortgage

Divorce is more than an ending—it’s a new beginning.

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