KJ/RE Associates - RE/MAX Encore

Kari ~ 248-459-9789
Jen ~ 248-212-2454
Clarkston, MI 48348
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Whether you are planning to buy your first home or sell your existing home, contact us today! 

We'd love to hear from you!

 


If you would like to contact us in regards to selling or buying a home, request a property showing
or get answers to your questions, please fill out the form below and we will return you message
as soon as possible.  We look forward to hearing from you! Please call or text for even faster service..........

Kari@Mi-Agent.com     ~   248-459-9789

Jen@Mi-Agent.com      ~   248-212-2454

 

MI Realtors with the Proven Experience, Knowledge and Commitment YOU
need in todays Real Estate Market.


KJ/RE Associates are Members Of:
The National Association of Realtors                           
The Michigan Association of Realtors
North Oakland County Board Of Realtors
REALCOMP MLS

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Oakland and Genesee County Michigan Real Estate Homes For Sale


To Inquire about a Property or to Schedule a Showing Please Email, Call or Text to:
 

Kari@Mi-Agent.com     ~   248-459-9789

Jen@Mi-Agent.com     ~   248-212-2454

 

                                         Clarkston ~ Independence     homes for sale    

                                           Davisburg ~ Springfield     homes for sale

                                         Lake Orion ~ Oxford Twp     homes for sale

                                                Holly ~ Brandon Twp     homes for sale

                                                      Fenton Lakefront      homes for sale


Calculators


Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.


Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
Results
  Receive this Detailed Analysis

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:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %

Realty Check

Home sellers may be daunted by renovations, but there are other ways to improve a house's prospects.

6/28/2017 2:50:07 PM

Nineteen schools are competing to see who can design, build and operate the most energy efficient and affordable home.

6/28/2017 2:50:07 PM

Contact Kari & Jen ~ KJ/RE Associates ~ RE/MAX Encore


KJ/RE Associates - RE/MAX Encore

Kari ~ 248-459-9789
Jen ~ 248-212-2454
Clarkston, Michigan, 48348