Sharona Byrnes
CalBRE#01862746

600 Deep Valley Drive
Rolling Hills Estates, CA 90275
Phone: 310-567-2705
Cell: (310) 567-2705
Email: sharona@southbaysharona.com

In order to determine the amount of home you can afford a lender will use your debt-to-income ratio to determine the percentage of your pre-tax income you spend on debt. Your debt ratio will include: monthly housing costs, car payments, credit cards, student loans, and any other installment debt. If you take on more debt before buying a home it will have an impact on the amount of the loan that the lender will finance.

Based on the home's sale price, the term of the loan, buyer's down payment percentage, and the loan's interest rate, this calculator can help estimate what you'll need to pay out monthly for your new home. This calculator factors in PMI (Private Mortgage Insurance) for loans with less than a 20% down payment, as well as town property taxes and its effect on the total monthly mortgage payment.

Buying a home is a big step! Whether you’re buying your first home, your dream home, or your tenth investment property, yours will be a big investment. We know how important this is to you. And we have an army of experts to make sure we find the perfect property for your unique circumstances. Finding the perfect property is just one way we can help you with your real estate purchase.

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