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    • Home
    • Our Team
    • New Beginnings Blog
    • Home Search
      • Find A New Home
      • Map Search
      • Homes with pool
      • Cypress Homes
      • Katy Homes
      • Houston Homes
      • Land for Sale
      • Missouri City Homes
      • Fulshear Homes
      • Richmond Homes
      • Spring Homes
      • Sugarland Homes
      • The Woodlands Homes
      • Tomball Homes
      • New Construction Homes
      • Dream Homes
      • 55 Plus Communities Homes
      • For Lease Homes
      • Foreclosure homes
      • Advanced Home Search
    • Home Resources
      • What Is My House Worth
      • Capital Gains Calculator
      • Current Mortgage Rates
      • Mortgage Calculator
      • HAR Houston Homes
      • Home Buyer's Guide
      • Home Seller's Guide
      • Real Estate Market News
      • Home Swap
      • Owner Financing Homes
    • Divorce
      • Child Support Calculator
      • Divorce Real Estate
      • Divorce Buyout Calculator
      • Refinance Now
      • Divorce Checklist
      • Divorce Cost in Texas
      • Divorce Resources
      • Divorce Seminar
      • Divorce Support
      • Divorce Videos
      • Mortgage BuyOut
      • What Happens To The House
      • FAQ
    • More
      • Inherited property Homes
      • Contact Us
      • Home Listings
      • Houston HOA Homes
      • Need to Sell Fast Houston

832.483.0829

The Gifford Group

Signed in as:

filler@godaddy.com

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Mortgage Calculator, Calucate my mortgage payment

How much house we Afford to purchase?

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.


HOUSE BUYOUT DIVORCE CALCULATOR 


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. 


Want to know if you can buy out your spouse? Use our mortgage buyout calculator 

Mortgage rates, Rates are still near record lows.

Apply Today

Mortgage Rates Today

Mortgage Help

Get Approved with a Local Lender

Getting prequalified is the first step to homeownership. We are local lenders that can help get you prequalified today so you can get you into a new home quickly. 


Apply today

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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! 

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Copyright © 2022 The Gifford Group llc - All Rights Reserved.

 

Amber Gifford, Trec Lic. #0732687

INFORMATION ABOUT BROKERAGE SERVICES 


Scotty Gifford TREC Lic. #0740987

 Information About Brokerage Services


Scotty Gifford NMLS ID # 2357310

We lending id # 1457930


Texas Real Estate Commission Consumer Protection Notice


Broker FYI Realty - Invest in Your Future - 

Real Estate LLC, License #539679

 

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Broker is FYI REALTY, Lender is WE Lending