Lake Norman and North Charlotte Real Estate On the Move...
Beth Pihl

Be Mortgage Free in as Little as Half the Time


Through an innovative program called the Money Merge Account, homeowners across the nation are paying off their mortgages in as little as 1/2 to 1/3 the time. Become one of the thousands of United First Financial clients paying off a home mortgage quickly without increasing monthly mortgage payments, and with little to no lifestyle changes. Request a free Money Merge Analysis Report from Beth Pihl today. UFirst Mortgage Pay Off Information

Links to Preferred Lenders


PHH Mortgage is one of the top 10 originators
of retail residential mortgages in the US. PHH will
guarantee your closing date. They
offer FREE
pre-approvals to qualifying homebuyers! Most
are ready the same day. For more details and/
or to get your same day pre-approval, click on this link. http://www.phhmortgage.com/home/landscape?cid=12396&agid=625198

Bank of America Mortgage offers no fee home mortgages. To learn more about Bank of America's mortgage products and get prequlaified click on this link. http://ae.bankofamerica.com/jeffreyjwilliams

 

 


How Much Can You Afford?


 
Our calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs.  To email yourself a copy of the 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:   %  


Be Mortgage Free in Less than Half the Time


Through an innovative program called the Money Merge Account, homeowners across the nation are paying off their mortgages in as little as 1/2 to 1/3 the time. Become one of the thousands of United First Financial clients paying off a home mortgage quickly without increasing monthly mortgage payments, and with little to no lifestyle changes. Request a free Money Merge Analysis Report from Beth Pihl today. http://www.u1stfinancial.net/ReplicatedDefault.aspx
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