California Real Estate Center

Mortgage Calculator

Use our mortgage calculator to calculate the monthly mortgage payment of the homes you are interested in to narrow your search of California homes for sale to only those homes you can afford. You may also want to research available mortgages by visiting our mortgage page.

Below are some mortgage calculator resources for you to use to help you calculate mortgage payments and mortgage loan qualifying.

This mortgage calculator will calculate the monthly mortgage payment based on the required mortgage loan amount, current mortgage rates, and loan terms. You may research mortgages for more information regarding qualifying for a home loan.

Following are instructions to calculate a mortgage for buying a home:

1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
   
2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
   
3. Each time you change a value hit "Calculate Now" to see what the effect is. 
   

Additionally you may get a free mortgage pre-approval which will help you in your real estate negotiations when buying a home.

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Mortgage Calculator Links

Finally, here are some links to some of the most popular mortgage calculators on the internet.

Collection of 26 different mortgage calculators, including 40, 50 yr mortgages, interest only and piggy back mortgages.

Fannie Mae Mortgage Calculators
http://www.fanniemae.com/homebuyers/calculators/index.jhtml  

Smart Money Magazine Mortgage Calculator
http://www.smartmoney.com/home/buying/index.cfm?story=mortgage

Graphical mortgage calculator
http://www.jeacle.ie/mortgage/ 

mortgage calculators provided by Hugh Chou
http://www.interest.com/hugh/calc/ 

Finance center mortgage calculators
http://www.financenter.com/products/sellingtools/calculators/home/ 

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