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Congrats to The Maher Team! #12 in Kansas City for 2008! Top 5 in number of transactions! Source: Business Journal. Find out why! Call (913) 287-HOME.
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Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Knowledge= A Seamless Transition
"Stormy spent countless hours with us preparing our home for sale, researching and showing us new homes for purchase."
Mike and Jennifer Bush
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 Compare three mortgages
at one time. Download TripleCalc now. It's free. |
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Michael contributed to the
following best-selling books...
Michael Maher is a
proud member of the ActiveRain Real Estate Network. This network is a free
online community to help real estate professionals promote their business over
the Internet. You can find other outstanding
Kansas real estate
agents on activerain.com. |
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What's Your Maximum Mortgage?
What is your maximum mortgage? That largely depends on your income and current monthly debt payments. This calculator collects these important variables and determines your maximum monthly housing payment and the resulting mortgage amount.
Definitions
- Monthly income
- Total monthly income from all sources. All income should be entered before taxes.
- 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:
- Monthly Income X 28% = monthly PITI
- 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.
Relocation >Moving Companies
Contacting different moving companies is one of the first steps in moving to a new house. You will find a variety of service options and price ranges from which to choose, whether you are moving across town or thousands of miles across the country.
Call several companies for estimates. Ask each company exactly how their charges are calculated and what is included. How much insurance is included in the estimate? What is the cost for additional coverage? Are there special provisions for fragile or unusually valuable items? Is the delivery date guaranteed?
If economizing is important to you, ask if there are ways to cut down on the cost by providing your own boxes and packing your household goods by yourself. Household movers are competitive, and comparison shopping can help you get the best value for your moving dollars.
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| Q |
What is currently the most technologically advanced way to vacuum your home?
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| A |
The self-propelling Dyson DC06 scans and maps a room with sensors and is controlled by built-in computers that prevent it from falling downstairs. |
 See More Real Estate Trivia > |
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The Maher Team
Realty Executives of Kansas City
11401 Ash Street
Leawood, KS. 66211
Phone: (913)-287-HOME
Fax: 913-642-7053
Email: Info@TheMaherTeam.com
As members of America's NUMBER1EXPERTS in Real Estate for the Olathe KS, Overland Park KS, and Kansas City MO areas, Michael and his team understand whose interests are most important in your transaction. Call or e-mail him today! Remember The Maher Team's slogan: The Maher Team; We're not #1...YOU are.
The information contained herein is furnished by the respective owner(s) to the best of their knowledge, but is subject to verification by the purchaser. Agent assumes no responsibility for correctness thereof. The sale offering is made subject to errors, omissions, change of price, prior sale or withdrawal without notice. In accordance with the law, these properties are offered without respect to race, color, creed, or national origin. Listing broker is representing the seller in the sale of properties herein by an exclusive right to sale agency agreement.
The materials contained within this page may not be reproduced without the express written consent of Michael J. Maher of The Maher Team, LLC.
The information contained herein is believed to be accurate and timely, but no warranty as such is expressed or implied.  
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