Bay Head, Spring Lake and Brick real estate and homes for sale in New Jersey - Carol Taylor and Peter Tobia, REALTORS® Carol Taylor and Peter Tobia REALTORS(r) for Bay Head, Spring Lake and Brick, New Jersey real estate - NUMBER1EXPERTS™ Carol Taylor and Peter Tobia NUMBER1EXPERTS(tm) for Bay Head, Spring Lake and Brick, New Jersey real estate

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Carol Taylor and Peter Tobia, REALTOR®, real estate agents and broker for Bay Head, Spring Lake and Brick New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why we are top real estate experts. Call us: 732-735-5114. Monmouth and Ocean County listings are linked below.



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A Real Gem
"Carol took every opportunity to touch base with us; to advise us every step of the way."
Sue and Bob
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Mortgage Calculators: Bay Head, Spring Lake and Brick New Jersey home buying, real estate listings, and homes for sale in Ocean and Monmouth County, NJ
Welcome > Resources > Mortgage Calculators > Monthly Payments & Schedule ...

The Best Mortgage Calculators On the Web! 

Please try our 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.



Carol Taylor and Peter Tobia, REALTOR®, real estate agents and broker for Bay Head, Spring Lake and Brick New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Carol Taylor and Peter Tobia
Childers Sotheby's International Realty
Point Pleasant Beach / Bay Head Area , NJ. 08742
732-735-5114
732-735-5114
Peter's Cell: 908-331-0669
Fax: 732-714-8492
Email: CarolTaylor@NUMBER1EXPERT.com

Carol and Peter are NUMBER 1 EXPERTS who are uniquely equipped to guide you in buying or selling Real Estate at the Jersey Shore.

"We truly care about the wants and needs of our clients, whether you are buying or selling. Our NUMBER 1 priority has always been to provide polite, honest and exceptional service to all our clients. We specialize in Oceanfront, Barnegat Bay, Barnegat Beach Island and local waterway communities and finer neighborhoods along the Jersey Shore."

Carol is a licensed Broker/Sales Associate, has a Graduate Realtor Institute designation and over 25 years of Real Estate sales experience, as well as dozens of sales awards for outstanding achievements.

Peter is a licensed Realtor and a licensed Professional Engineer, with extensive residential building and development experience and knowledge. He has lived and worked in Monmouth and Ocean Counties for 23 years and has first hand knowledge of some of their finer communities including Bay Head, Spring Lake, Manasquan, Wall and Brick.

Find out why Money Magazine has named the Monmouth /Ocean County region as "One of the best places to live in the nation” several years in a row. Come join us for another day in Paradise at the Jersey Shore! We are the Spring Lake, Bay Head and Ocean County NUMBER 1 Real Estate EXPERTS.

Call or e-mail us today!

Equal HousingGRIMLSREALTOR


Childers Sotheby's International Realty


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