Victoria real estate BC, Sidney real estate, and Sooke real estate, home listings and homes for sale in British Columbia, relocation and condos - Rosie the Realtor, REALTOR® Rosie the Realtor REALTOR(r) for Victoria, Sidney, and Sooke, British Columbia real estate, relocation and condos - NUMBER1EXPERT™ Rosie the Realtor NUMBER1EXPERT(tm) for Victoria, Sidney, and Sooke, British Columbia real estate, relocation and condos
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Rosie the Realtor, REALTOR®, real estate agent and broker for Victoria, Sidney, and Sooke British Columbia home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out what I can offer you as a Full Service Personal Realtor . Call me: 1-866-806-0982




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"She really listened to my wishes and worked hard to fulfill them. I would recommend her to anybody and everybody!"
Paula Paziuk
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Mortgage Calculators: Victoria, Sidney, and Sooke British Columbia home buying, real estate listings, and homes for sale in BC
Welcome > Resources > Mortgage Calculators > Your Income ...

The Best Mortgage Calculators On the Web! 

Please try my 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. Try each calculator with different interest rates, loan amounts, and payment schedules. 

The mortgage repayment schedule and other reports are fully customizable - just for your home, your interest rate, your loan amount, your taxes, and more. 

Would you like a print out, for your records and future reference? Each calculator includes a View Report button. Click it, hit print, and you have a report, customized just for you... 

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.



Rosie the Realtor, REALTOR®, real estate agent and broker for Victoria, Sidney, and Sooke British Columbia home listings, property and land for sale - NUMBER1EXPERT(tm)

Rosie the Realtor
Royal LePage Coast Capital Realty
1075 Pandora Ave.
Victoria, BC
V8V 3P7
Phone: 250-384-7663
Toll Free: 866-806-0982
Fax: 250-384-6614
Email: rosemariecolterman@NUMBER1EXPERT.com

Rosemarie Colterman offers extensive knowledge and experience of the Victoria real estate market. Originally from Toronto, Ontario, she left her successful career in the counselling and management field to focus on her love of real estate. Rosemarie prides herself on setting high standards: her integrity, attention to detail, care and understanding has built a loyal clientele. She considers her clients the heart and foundation of her business and goes the extra mile as their personal realtor. Rosemarie continually upgrades her skills and knowledge in the industry and feels it necessary to stay ahead of the constant changes in real estate. In her spare time, she enjoys running, playing sports, socialising with friends and spending quality time with her husband and three daughters. Let Rosemarie’s professionalism, enthusiasm and expertise go to work for you as your personal realtor.

Equal HousingREALTOR


Master Sales Award

Royal LePage Coast Capital Realty real estate and homes for sale in Victoria, Sidney, and Sooke British Columbia		 Victoria Real Estate Board


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