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Re/Max Encore - KJ/RE Associates - Feedback Form / Contact Us

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

Davisburg ~ Springfield

Lake Orion ~ Oxford Twp

Holly ~ Brandon Twp

Fenton Lakefront

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
	Required term in years Must be a number between 1 and 50
Term In Years:
	Required interest rate Must be a number between 1 and 100
Interest Rate:	%
	Required cost of home
Cost of Home:	$
	Required down payment Cannot be more than Cost of Home
Down Payment:	$
	Required annual insurance
Annual Insurance:	$
	Estimate Insurance to 0.43% of Cost
	Required annual property tax
Annual Property Tax:	$
	Estimate Tax to 1.2% of Cost
	Required monthly income
Monthly Income:	$
	Required monthly debt
Monthly Debt:	$
Optional Fields
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:

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

Renting
Monthly Rent: $	RequiredMust be a positive number
Annual Rental Increases:	RequiredInvalid%
Monthly Renter Insurance: $	RequiredInvalid
Savings or Investment Rate:	RequiredInvalid%

Owning
Planned # of years in home:	RequiredInvalid
Yearly appreciation of the home:	RequiredInvalid%
Annual home maintenance:	RequiredInvalid%