Long Island, Nassau County, Merrick real estate and homes for sale in New York - Geri Sonkin, REALTOR® Geri Sonkin REALTOR(r) for Long Island, Nassau County, Merrick, New York real estate - NUMBER1EXPERT™ Geri Sonkin NUMBER1EXPERT(tm) for Long Island, Nassau County, Merrick, New York real estate
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Geri Sonkin, REALTORŪ, real estate agent and broker for Long Island, Nassau County, Merrick New York home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 516-457-7103.





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Mortgage Calculators: Long Island, Nassau County, Merrick New York home buying, real estate listings, and homes for sale in Nassau County, NY
Welcome > Resources > Mortgage Calculators > Monthly Payments & Schedule ...

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. Each financial calculator also includes a View Report option. The mortgage repayment schedule and other reports are fully customizable. These reports are designed for you to print out and keep...
 

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.



Geri Sonkin, REALTORŪ, real estate agent and broker for Long Island, Nassau County, Merrick New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Geri Sonkin
RE/MAX Hearthstone
323 Merrick Ave.
Merrick, NY. 11566
Phone: 516-457-7103
Direct: 516-425-6098
Fax: 516-771-8385
Email: Geri@FindHomesOnLongIsland.com

After buying my own home on Long Island 19 years ago, and finding it a frustrating experience dealing with Realtors who either didn't listen or who chose not to hear, I came away with one thought. I could do it better. I've spent all these years serving the real estate needs of buyers and sellers with two basic goals . . . to give people enough information to make an educated decision and to keep the stress of moving to a minimum. I like to think I've succeeded at both. More than 65% of my business comes from referrals from past clients who entrust their family and friends to my care. When making one of the most important financial decisions in your life, you need someone you can trust to represent you. Ask questions, I'm here to answer them.

CRSeProEqual HousingMLSREALTOR






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My Professional Resume: Geri Sonkin's Long Island, Nassau County, Merrick real estate career in home buying & selling in New York
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Contact Information: How to contact Geri Sonkin, Long Island, Nassau County, Merrick real estate agent

Special Offers: Special offers for Long Island, Nassau County, Merrick homeowners from Geri Sonkin, top Realtor
Affiliates: Geri Sonkin's real estate web site affiliates
eNewsletter: Geri Sonkin's Long Island, Nassau County, Merrick newsletter email will send you the latest real estate information
Today's Real Estate News: Daily real estate news for this neighborhood, New York, and United States
Market Conditions Report: Market conditions report for this area, New York, and United States
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Long Island, Nassau County, Merrick New York mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in New York or buy your own Long Island, Nassau County, Merrick house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Long Island, Nassau County, Merrick mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
Experts: Real estate, homes for sale, and other properties: links in New York, United States and Canada
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other New York real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Direct Links: Direct real estate links to web sites mentioned in this Long Island, Nassau County, Merrick, New York site
Ask Anything: Ask Geri Sonkin anything real estate
NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Tips: Geri Sonkin's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: Geri Sonkin's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Long Island, Nassau County, Merrick property in New York, including legal terms definitions, and more

Why Buyers Choose Me: Why homebuyers in the Long Island, Nassau County, Merrick area choose Geri Sonkin as their Realtor
Latest Listings: Get Geri Sonkin's latest Long Island, Nassau County, Merrick listings of homes for sale first!
Find Your Perfect Home: Geri Sonkin will search for your ideal home and email you the newest Long Island, Nassau County, Merrick MLS listings of properties
First Time Homebuyers: Are you a first time homebuyer in Long Island, Nassau County, Merrick, NY? As a top Realtor, Geri Sonkin can guide your home buying search
Mortgage Prequalification: Pre-qualify for a mortgage or loan for your Long Island, Nassau County, Merrick house or other real estate or property

Why Sellers Choose Geri Sonkin: Why home sellers in Long Island, Nassau County, Merrick choose Geri Sonkin
Free Presentation: Free in-home listings presentation on marketing your Long Island, Nassau County, Merrick, New York property
Property Valuation: How much is your Long Island, Nassau County, Merrick home worth?
What Did That Home Sell For?: What did that Long Island, Nassau County, Merrick, New York property or other real estate sell for?
FSBO: Selling your Long Island, Nassau County, Merrick real estate on your own?

Feature Homes: Homes, properties, & other real estate in Long Island, Nassau County, Merrick and New York with virtual tours, photos, and more
Search All Local Listings: Search all Long Island, Nassau County, Merrick area MLS listings in New York from real estate brokers
National Listings Databases: Homes for sale in national American USA web site listings databases of properties
New Construction: New homes for sale, new construction and newly built properties and real estate subdivisions
Unique & Luxury Homes: Home buyers, find luxury homes, real estate, beach front properties, mansions, & acreage/land for sale on these top national & international listings web sites
International Properties: Find international homes for sale on these international/global real estate web sites from Canada, Europe, France, Germany, UK, Great Britain, Spain, Italy, Asia, Africa, and beyond
Search ALL the Experts' Homes: Search the best local homes for sale from all the real estate experts, agents, Realtors, and brokers

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