Rocky Point Chris
Life is better by the beach!
US Cell:
480-216-6749
Office
480-478-4784
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About Us
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Rocky Point Info
Buyers/Sellers
Buying in Rocky Point
Selling in Rocky Point
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Mortgage Calculator
New Listing Notifier
Free Home Evaluation
Neighborhoods
Sandy Beach
1 Bedroom
2 Bedroom
3+ Bedroom
Las Conchas
Condos
2 Bedroom
3+ Bedroom
Old Port
1 Bedroom
2 Bedroom
3+ Bedroom
El Mirador/In Town
1 Bedroom
2 Bedroom
3+ Bedroom
Encantame / East Beaches
1 Bedroom
2 Bedroom
3+ Bedroom
Cholla Bay
1 Bedroom
2 Bedroom
3+ Bedroom
Islas Del Mar / Laguna Shores
1 Bedroom
2 Bedroom
3+ Bedroom
Costa Diamante
1 Bedroom
2 Bedroom
3+ Bedroom
Resorts
Bella Sirena
1 Bedroom
2 Bedroom
3+ Bedroom
Las Palomas
1 Bedroom
2 Bedroom
3+ Bedroom
Tessoro
1 Bedroom
2 Bedroom
3+ Bedroom
Esmeralda
1 Bedroom
2 Bedroom
3+ Bedroom
Las Gaviotas
1 Bedroom
2 Bedroom
3+ Bedroom
Las Palmas
1 Bedroom
2 Bedroom
3+ Bedroom
Casa Blanca
1 Bedroom
2 Bedroom
3+ Bedroom
Pinacate
1 Bedroom
2 Bedroom
3+ Bedroom
Princesa
1 Bedroom
2 Bedroom
3+ Bedroom
Puerta Privada
1 Bedroom
2 Bedroom
3+ Bedroom
Sonoran Sea
1 Bedroom
2 Bedroom
3+ Bedroom
Sonoran Sky
1 Bedroom
2 Bedroom
3+ Bedroom
Sonoran Spa
1 Bedroom
2 Bedroom
3+ Bedroom
Sonoran Sun
1 Bedroom
2 Bedroom
3+ Bedroom
Listings
Current Listings
Listings by Map
Beach Front
Condos
Homes
Lots
Commercial
Sandy Beach
Las Conchas
Playa Encanto
Playa Miramar
Whale Hill
Cholla Bay
Old Port
Mirador
In Town
Home
Menu
Home
Listings
Current Listings
Listings by Map
Beach Front
Condos
Homes
Lots
Commercial
Sandy Beach
Las Conchas
Playa Encanto
Playa Miramar
Whale Hill
Cholla Bay
Old Port
Mirador
In Town
Resorts
Bella Sirena
1 Bedroom
2 Bedroom
3+ Bedroom
Las Palomas
1 Bedroom
2 Bedroom
3+ Bedroom
Esmeralda
1 Bedroom
2 Bedroom
3+ Bedroom
Las Gaviotas
1 Bedroom
2 Bedroom
3+ Bedroom
Las Palmas
1 Bedroom
2 Bedroom
3+ Bedroom
Mayan Palace
1 Bedroom
2 Bedroom
3+ Bedroom
Pinacate
1 Bedroom
2 Bedroom
3+ Bedroom
Princesa
1 Bedroom
2 Bedroom
3+ Bedroom
Puerta Privada
1 Bedroom
2 Bedroom
3+ Bedroom
Sonoran Sea
1 Bedroom
2 Bedroom
3+ Bedroom
Casa Blanca
1 Bedroom
2 Bedroom
3+ Bedroom
Sonoran Sky
1 Bedroom
2 Bedroom
3+ Bedroom
Sonoran Spa
1 Bedroom
2 Bedroom
3+ Bedroom
Sonoran Sun
1 Bedroom
2 Bedroom
3+ Bedroom
Neighborhoods
Sandy Beach
1 Bedroom
2 Bedroom
3+ Bedroom
Las Conchas
1 Bedroom
2 Bedroom
3+ Bedroom
Old Port
1 Bedroom
2 Bedroom
3+ Bedroom
El Mirador and In Town
1 Bedroom
2 Bedroom
3+ Bedroom
Costa Diamante
1 Bedroom
2 Bedroom
3+ Bedroom
Cholla Bay
1 Bedroom
2 Bedroom
3+ Bedroom
Laguna
1 Bedroom
2 Bedroom
3+ Bedroom
East Beach
1 Bedroom
2 Bedroom
3+ Bedroom
Buyers/Sellers
Buying in Rocky Point
Selling in Rocky Point
Home Search
Mortgage Calculator
New Listing Notifier
Free Home Evaluation
Rocky Point Info
About
About Us
Testimonials
Blog
Contact Us
Real Estate Financial Calculators
Use our financial calculators to determine how much mortgage you can comfortably manage, what amount you qualify for, or decide if the time is right to buy or to continue renting. When you enter your information in the fields below and click on -
Calculate Now
- you will see your calculated answers in each tab. You can send yourself an email copy of your new calculations when you click on -
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
Must be a positive number. Maximum of 2 decimal places.
Cost of Home:
$
Required down payment
Must be a positive number. Maximum of 2 decimal places.
Cannot be more than Cost of Home
Down Payment:
$
Required annual insurance
Must be a positive number. Maximum of 2 decimal places.
Annual Insurance:
$
Estimate Insurance to
0.43%
of Cost
Required annual property tax
Must be a positive number. Maximum of 2 decimal places.
Annual Property Tax:
$
Estimate Tax to
1.2%
of Cost
Required monthly income
Must be a positive number. Maximum of 2 decimal places.
Monthly Income:
$
Required monthly debt
Must be a positive number. Maximum of 2 decimal places.
Monthly Debt:
$
Optional Fields
Gross Debt Service Ratio (GDS):
28%
29%
30%
31%
32%
33%
34%
35%
36%
37%
38%
39%
40%
41%
42%
43%
44%
45%
46%
47%
48%
49%
50%
51%
52%
53%
54%
55%
56%
57%
58%
59%
60%
61%
62%
63%
64%
65%
66%
67%
68%
69%
70%
Total Debt Service Ratio (TDS):
36%
37%
38%
39%
40%
41%
42%
43%
44%
45%
46%
47%
48%
49%
50%
51%
52%
53%
54%
55%
56%
57%
58%
59%
60%
61%
62%
63%
64%
65%
66%
67%
68%
69%
70%
Condos Fees:
$
Must be a positive number. Maximum of 2 decimal places.
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:
$
Required
Must be a positive number
Annual Rental Increases:
Required
Invalid
%
Monthly Renter Insurance:
$
Required
Invalid
Savings or Investment Rate:
Required
Invalid
%
Owning
Planned # of years in home:
Required
Invalid
Yearly appreciation of the home:
Required
Invalid
%
Annual home maintenance:
Required
Invalid
%
Chris Guarino
US Cell
480-216-6749
Office
480-478-4784