Oakland and Genesee County Michigan Real Estate

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Oakland and Genesee County Michigan Real Estate Homes for Sale

Oakland County Michigan Real Estate Homes for Sale,Clarkston MI Homes For Sale,Fenton Lakefront Homes,Genesee County Homes for Sale,Clarkston Real Estate, Oxford MI Lakefront Homes,Property Search Buyers Agent, Lake Orion, Short Sales, Waterford MI, Foreclosures , Waterfront Homes For Sale, Village of Clarkston MI, First Time HomeBuyers, Holly MI, Luxury Homes,Grand Blanc MI Golf Course

Oakland County Michigan Real Estate Homes for Sale

Please check out the Links found on this page.........i.e, current Loan Rates, FHA/HUD Loan Programs, etc.

Our calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs. To email yourself a copy of the results, click the Receive this Detailed Analysis link.

Contact Kari
Kari@SoldByKari.com
Direct Mobile: 248-459-9789

Required

Required Must be a number between 1 and 50
Term In Years:
Required Must be a number between 1 and 100
Interest Rate:	%
Required
Cost of Home:	$
Required Cannot be more than Cost of Home
Down Payment:	$
Required
Annual Insurance:	$
Estimate Insurance to 0.43%of Cost
Required
Annual Property Tax:	$
Estimate Tax to 1.2%of Cost
Monthly Income:	$ Required
Monthly Debt:	$ Required

Optional

Gross Debt Service Ratio (GDS):
Total Debt Service Ratio (TDS):
Condos Fees:	$

Results

Receive this Detailed Analysis

Mortgage
Qualification
Affordability
Rent vs Buy

Your Monthly Payments

Loan Amount:
Loan Insurance ( %):
Total Loan(Mortgage) Amount:

Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:

Income Needed to Qualify for the Mortgage

Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:

What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:

Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)

Monthly Rent:	$ RequiredMust be a positive number	No. of Years you plan on keeping the home:	RequiredInvalid
Annual Rental Increases:	% RequiredInvalid	Yearly Appreciation on the Home:	% RequiredInvalid
Monthly Renter Insurance:	$ RequiredInvalid	Annual Home Maintenance:	% RequiredInvalid
Savings or Investment Rate:	% RequiredInvalid

Dave's Insight into Finance and Housing » mortgage decision consumer
Best Choice Lending, Inc.	3/20/2012 4:46 AM
Best Choice for a Mortgage is Best Choice Lending Inc.
Veterans Get Great Loans in Michigan Through Best Choice Lending, Inc.	4/13/2011 12:42 PM
The veteran can receive a true ZERO DOWN PAYMENT loan. In addition, the veteran may have seller concessions to pay for closing costs and prepaid items of up to 6% of the purchase price.
Who Made the Worst Loan Decisions?	9/13/2010 11:31 AM
Private mortgage banking, not the FHA, VA, Fanny and Freddie Mac were the main culprits in the banking mortgage backed security fiasco. As long been attempted to be pointed out, the loan origination system wasn't at fault but the guidelines the banks used for
Short Sale vs. Foreclosure: Impact	6/3/2010 1:43 PM
Whether a "short sale" or "foreclosure" both will impact your credit for years.
Rural Development Loans now have a 3.5% Funding Fee	5/12/2010 1:03 PM
Funding fee increses to 3.5 % on a purchase.
Michigan is Being Removed from the Declining Markets List of PMI Company	4/7/2010 8:09 AM
Conventional Loan LTVs of 95 and 97% are now able to be insured and include condominiums
Rural Development is Not so Rural N0-MONEY-DOWN Still Exist	3/9/2010 1:23 PM
The program is to allow purchasing of homes with as little as zero down. You should show you have ability to pay the loan by proof of previous payment and savings. There are no actual down payment requirements. There can be help from the seller (seller contribution) of up to 3%. The income requirements are a "less than" situation. You can make too much to qualify. Generally, it is an up to 115% of median income that has some built in factors. Each area has its own limits.
FHA Streamline Refinancing Change – Feb. 2010	2/1/2010 1:57 PM
Getting harder to refinance a rate with FHA's Streamline Refinancing
Expect New FHA Increases to Make it Harder Financing, Again	1/20/2010 11:48 AM
Actual has put the change date as April 5, 2010 That means it must have its FHA loan number assigned by 04/05/2010! It can close after that date
What is FHA Financing and Why Might it Help Me?	12/3/2009 2:17 PM
FHA is part of HUD and was created in 1934 to help provide more housing for families through financing. Usually it is easier to qualify for FHA mortgages than a Conventional mortgage and that includes after bankruptcy. Loan terms are more favorable and with less money down than Conventional loans. Income to debt ratios are [...]

Contacts



Kari Trail Butz
Email Kari

Cell:	248-459-9789
Fax:	248-620-3384
Address:	6510 Town Center Dr., Ste. D
City:	Clarkston
State:	Michigan 48346
Country:	United States

Links

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Oakland, Lapeer and Genesee County Homes For Sale

Oakland County Michigan Homes For Sale

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Genesee County MI Homes For Sale

Kari Trail Butz........Realtor..........Buyers Agent
Kari@BuyMiHomes.com
248-459-9789

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Oakland and Genesee County Michigan Real Estate Homes for Sale

Oakland County Michigan Real Estate Homes for Sale

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Oakland, Lapeer and Genesee County Homes For Sale