Sue Botts
Rancho Bernardo Office
11440 West Bernardo CT #100
San Diego, CA 92127
Phone: (619) 990-7746
Cell: (619) 990-7746

Mortgage Calculator

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  property taxes and its effect on the total monthly mortgage payment.



Whether you’re buying your first home, your dream home, or your tenth investment property, this will be a big investment. I know how important this is to you. Please use this calculator for a rough estimate on monthly payments; but your particular loan terms, or property tax estimate may be different than the assumptions used in this calcaulator; it is best to begin a preapproval process with a reputable lender  early in the process.    


Payment Calculator
Price: Down: Rate:
$ $ %
Term: P & I:
yrs $
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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.  It is imporatant to start your dialog with a reputable lender early in the process.  If you do not alrey have a lender you know and trust, I work closely with several - we could enlist one to best service your needs and circumstance. 


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