John Frederick Sells Phoenix Area Real Estate

Contact Me


John Frederick
 
John Frederick
Email John
 
Cell: 602-373-9740
Fax: 866-468-4420

New Down Payment Assistance Program Offers 22%!


The State of Arizona has created Your Way Home AZ to help home buyers purchase a foreclosed home. The program offers 22% of the purchase price as a no payment, no interest loan. And if you stay in the home the minimum time, the loan is forgiven! Click the Your Way Home AZ link under Links on the right hand side to view the info sheet and see if you qualify. Then Call me right away and let's find you a house before the money runs out!

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Mortgage interest rates are low. You can buy a home with little down payment. Even if your credit is less than perfect, I work with lenders who can help you find a mortgage that will allow you to buy the home you’ve always wanted, with payments you can afford.

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I’m sure you’re heard about the “slow down” in the valley housing market. Well that slow down means sellers are cutting prices to get their homes sold. Smart buyers are starting to recognize this and finding great deals on homes. Shouldn’t you be one of them?

If you’re ever wanted to own your own home, now is the time. Call me and let me help you find that dream home before the market recovers and the best deals are gone!

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For Your Mortgage Needs


 


Calculators


Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.


Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
0.43%of Cost
Annual Property Tax:  $  
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Optional
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $

Results
  Receive this Detailed Analysis


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:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  

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