Sandra J. Steele, Branch Manager., REALTOR® Sedona/Verde Val

Welcome to SEDONA-COTTONWOOD Real Estate


 


Welcome to Cottonwood-Sedona Real Estate



Sandra J Steele, Branch Manager., REALTOR®., SFR, AHWD



How Much Can You Afford? Don't forget to subscribe to my newsletter!


 

 

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 various tabs.   To email yourself a copy of the results, click the Receive this Detailed Analysis link

Feel free to contact us at anytime at: 
 

DesertDwellers@CableOne.net (or)
Sandra@CottonwoodHomesforSale.com

 

Sandra J Steele,Branch Manager., REALTOR®., SFR, AHWD

 

928 649-9888  /  928 301-3898

Let my 32 years of experience work for you!!!

 

 

 
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:   %  


Sedona/Verde Valley Real Estate by Sandra J Steele.,REALTOR® Branch Manager


 
                                                                    Desert Dwellers Realty, LLC
                                                                    Sedona/Verde Valley Branch
                                                                      2185 W. Trail Blazer Drive
                                                                         Cottonwood, AZ 86326
 
 
                                                                                                                
                                          
                                                                          All information deemed to be correct but not guaranteed
 

 

Home  |  Home Search  |  Home Evaluation  |  Calculators  |  Contact Me  |  Buying  |  Selling   |  Featured Listings  |  About Arizona  |  Multiple Listing   |  Testimonials  |  Arizona Weather  |  News  |  Blogs  |  Sedona/Cottonwood Info  |  Camp Verde Information  |  More about SEDONA  |  Verde Valley Medical Centers  |  Real Estate Glossary  |  Mortgage Acronyms  |  Home NOT just a tax shelter  |  Short Sale Information  |  Some Foreclosure Solutions  |  Credit Score Information  |  SCHOOLS  |  Pay your Homes off Faster  |  SHORT SALES  |  COTTONWOOD SCHOOL INFO  |  SEDONA SCHOOL INFO  |  CLARKDALE/JEROME  " " INFO  |  CAMP VERDE SCHOOL INFO  |  RIMROCK SCHOOL INFO  |  HAZARD INSURANCE  |  Cottonwood Population
 

Privacy Policy  |  Site Map  |  Links  |  For Agents  |  Profile  |  Sign In

©2004-2012 Desert Dwellers Realty