Atlanta, Decatur and Buckhead real estate and homes for sale in Georgia, Morningside Area, Virginia Highland Area - The Zac Team, REALTORS® The Zac Team REALTORS(r) for Atlanta, Decatur and Buckhead, Georgia real estate, Morningside Area, Virginia Highland Area - NUMBER1EXPERTS™ The Zac Team NUMBER1EXPERTS(tm) for Atlanta, Decatur and Buckhead, Georgia real estate, Morningside Area, Virginia Highland Area
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The Zac Team, REALTOR®, real estate agents and broker for Atlanta, Decatur and Buckhead Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)


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Ready to sell your Atlanta home? Starting your home search? Our Zac Team real estate agents will help you navigate the housing market! 404.564.7200.


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Mortgage Calculators: Atlanta, Decatur and Buckhead Georgia home buying, real estate listings, and homes for sale in Fulton DeKalb County, GA
Welcome > Resources > Mortgage Calculators > Your Maximum Mortgage ...


The Best Mortgage Calculators On the Web! 

Please try our Java loan and mortgage calculators. They take a minute to load, but they are worth it! Each calculator has dynamic graphs and charts that change - right before your eyes - as you enter different information. Each financial calculator also includes a View Report option. The mortgage repayment schedule and other reports are fully customizable. These reports are designed for you to print out and keep... 

What's Your Maximum Mortgage?

What is your maximum mortgage? That largely depends on your income and current monthly debt payments. This calculator collects these important variables and determines your maximum monthly housing payment and the resulting mortgage amount.

This Financial Calculator requires a Browser with Java Support



Definitions

Monthly income
Total monthly income from all sources. All income should be entered before taxes.

Monthly housing expenses
Your monthly houses expenses from the housing expenses worksheet. The items entered as housing expenses make up the taxes and insurance portion of your monthly PITI payment.

Monthly liabilities
Your monthly liabilities from the liabilities worksheet. Your monthly liabilities are used to calculate your maximum PITI.

Monthly housing payment (PITI)
This is your total Principal, Interest, Tax and Insurance (PITI) payment per month. This includes your principal, interest, real estate taxes, hazard insurance, association dues or fees and principal mortgage insurance (PMI). Maximum monthly payment (PITI) is calculated by taking the lower of these two calculations:

  1. Monthly Income X 28% = monthly PITI
  2. Monthly Income X 36% - Other loan payments = monthly PITI

Maximum principal and interest (PI)
This is your maximum monthly principal and interest payment. It is calculated by subtracting your monthly taxes and insurance from your monthly PITI payment. This calculator uses your maximum PI payment to determine the mortgage amount that you could qualify for.

Start interest rates at
The current interest rate you could receive on your mortgage. This is used as the starting point for displaying a range of interest rates and the resulting mortgage amount.

Term in years
The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.

The mortgage calculators are provided by KJE Computer Solutions, LLC and made available to NUMBER1EXPERT as self-help tools for your independent use and are not intended to provide investment advice. We can't guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.




The Zac Team, REALTOR®, real estate agents and broker for Atlanta, Decatur and Buckhead Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

The Zac Team
Ponce Realty

1057 Ponce de Leon Avenue
Atlanta, GA
30306
Phone: 404.564.7200
Toll-free: 800.510.1884
Fax: 404.564.7201
The Zac Team: mlsinatlanta@zac.biz
Zac's email: sold@zac.biz

In May of 1979, a young, mustached man sat down to take an exam that would set him on the road to mastering the art of Atlanta Intown real estate. In 1993, after several years with Coldwell Banker and then as the owner of the RE/MAX Intown franchise, Zac Pasmanick realized that he could provide the ultimate real estate service by working with his own small team of professionals instead of working solo. So Zac gathered his energy, his reserves, and a small team of 4 people and opened the doors to The Zac Team. From their small office on Piedmont Road, The Zac Team’s professional agents set to work perfecting the home selling and buying process.

In 1995, the “Zac Did It Again!” signs made their first debut on homes in Morningside and Virginia Highland. The current incarnation of The Zac Report soon followed - forever changing the face of Atlanta Intown real estate. Between his involvement in the local community and his strong marketing and branding strategies, hardly anyone can live inside 285 and not know of Zac.

As Zac and his team expanded, so did the number of families served and the need for a larger, better space to serve clients became more apparent. So Zac ventured two miles from his home base in Morningside to find the team’s new home on the border of Virginia Highland and Poncey-Highland. Since 2004, this convenient location on Ponce De Leon Avenue right next to the Majestic Diner has pleased both Zac Team clients and members with its top notch customer service.

On June 24th, 2010, Zac revolutionized the face of Atlanta real estate yet again. After 25 rewarding years with RE/MAX, Zac reopened his doors under his own, new brokerage Ponce Realty. As the Broker for Ponce Realty, Zac offers training, expertise, and a virtual office for REALTORS located across metro Atlanta and, as the team leader for The Zac Team @ Ponce Realty, Zac assists home sellers and buyers within his specialty – the intown Atlanta neighborhoods.

Today, Ponce Realty’s outstanding agents continue to set the standard for customer service in the real estate industry. While the many awards and accolades that Zac has received throughout the years show nicely, what speaks louder than words is the delightfulness of our past clients and the more than 4,000 happy homes we have helped people buy and sell over the years. From luxury homes to short sales, Ponce Realty has the knowledge and experience to help you navigate this complicated world of real estate.

Zac’s designations include Certified Distressed Property Expert (CDPE), Certified Residential Specialist (CRB), Certified Residential Brokerage (CRB), GRI, Life Member Atlanta Board of Realtors' Million Dollar Club, Five Star Professional Foreclosure REO (Real Estate Owned) Specialist, and Short Sale Specialist.

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