Purchase Whether you are purchasing your first home,or trading up to a larger home, we can help you ..... more Refinance You may be surprised to find out how much you can save by refinancing your home and/or shortening the term on your current mortgage contract...... more Home Equity Loans If you have equity in your home, you could use that equity to your advantage and tap into a resource for cash...... more Debt Consolidation Loans Consolidate your bills & lower your monthly payments...... more Home Improvement Loans If you're making improvements to your home, we can help you get started today!..... more Zero Down Loans If you think you can't afford a home yet-come talk to us -you may be surprised!....... more Zero Equity Loans Allows you to get access to the money you need, even if you have NO EQUITY....... more 125% Home Equity Loans Allows you access to the advantages of a mortgage loan without having equity in your house...... more First Time Buyer Programs     home >> Calculators Calculators Would you like to know the monthly payment for a particular loan, how much income you need to buy a particular house or how big of a mortgage you can take on?  Discover one of the best collections of mortgage calculators and financial tools around. Pre-qualify for your home loans and determine your mortgage payments. Find out all you need to know before you buy, refinance, or take out a home equity loan:   Qualification calculator Estimates if you qualify for a loan. Payment Calculator Given your mortgage, taxes and insurance it will determine your monthly payments. Debt-Ratio Calculator How much money you can borrow Qualification Calculator   See if your income is sufficient to qualify         Desired Mortgage for new home   Total Number of Years on Mortgage   Interest Percentage of Mortgage   Annual Property Taxes on your new Home   Total Monthly Payments in Non-Mortgage Debt (i.e. car, student loans, credit cards, etc).          Summary       Principal & Interest Total Housing Payment (tax & insurance incl). Required Salary           Apply Now Estimated required salary is based on conservative traditional underwriting guidelines.  If you do not meet the estimated required salary computed, you should not assume you will not qualify.  Many factors are involved in a loan approval, including down payment, prior credit history, and assets, among other things.    DISCLAIMER: The prequalification figures above are based upon conventional program guidelines. Other loan programs are available. Calculations by this tool are believed to be accurate, yet are not guaranteed. Further review is necessary to obtain an exact qualification. If you have less than 20% equity in your home, a monthly mortgage insurance payment may be required.   Payment Calculator How much are my payments? Use our mortgage calculator to determine your monthly payment amount. Estimate your taxes and insurance so that these amounts will be included in the payment calculation. Enter amounts in the fields below and the mortgage calculator will give you your monthly mortgage payment amount! Mortgage Calculator Years: Interest: Loan Amount: Annual Tax: Annual Insurance:   Mortgage Calculation Results Monthly Principal + Interest: Monthly Tax: Monthly Ins: Total Monthly Payment:       Apply Now   Debt-Ratio Calculator   Income Salary/Wages: $ Other Income: $ Housing Expenses Property Taxes: $ Hazard Insurance: $ Other Expenses Auto Payment: $ Credit Cards and Other Payments: $ Loan Term and Interest Rate Loan Term: Yrs. Interest Rate: %   You may qualify for a maximum monthly mortgage payment (P+I) of: $ You may qualify for a maximum loan amount of: $   Apply Now     Call Svetlana Vikanova at Phone: 1-425-746-3898 or email at: svetlana@svmortgage.com

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