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Mortgage calculator
Most online calculators leave out taxes and insurance. This one adds them in, so you see a payment that's closer to real life.
See about what a home would cost each month, with California property tax and insurance included.
This is a rough estimate to help you plan. It is not a quote, an appraisal or tax advice. Angela can give you real numbers for your home.
Understand your numbers
The loan itself. Principal pays down what you owe. Interest is the cost of borrowing.
In California it starts around 1% of the price, plus local fees. Many areas end up near 1.1 to 1.25%.
Required by the lender. Prices have gone up in California, so get a quote early.
If you put less than 20% down, most loans add this until you build up equity.
Condos, townhomes and some neighborhoods have a monthly fee. Some newer areas also have extra tax called Mello-Roos.
Tips
Two homes at the same price can have very different tax bills. Ask for the real rate on the home you like.
In some areas, insurance is hard to get. Check before you make an offer.
FHA, VA and regular loans all have different costs. A loan officer can show you side by side.
Questions
No, it's just a starting point. Rates change daily. Call for today's rate.
Most ads only show principal and interest. Taxes, insurance and HOA can add hundreds a month.
A bigger down payment, a lower rate, or a longer loan can help. So can buying points. Ask us to run the options.
Talk to Angela
Our lending side can run your real numbers with today’s rates and a pre-approval letter you can use to make offers.
Call Angela. No pressure and no cost to talk. Just honest answers about your home and your options.
