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Calculators


Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

 

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
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:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %

Welcome to Arizona


State in the southwestern United States. It is bordered by Utah, New Mexico, Mexico, and, across the Colorado River, Nevada and California.

Area, 113,909 sq mi (295,024 sq km).
Pop. (2000) 5,130,632, a 40% increase since the 1990 census.
Capital and largest city, Phoenix.
Nickname, Grand Canyon State, Copper State.
Motto, Ditat Deus [God Enriches].
State bird, cactus wren.
State flower, blossom of the saguaro cactus.
State tree, paloverde.

The state's principal crops are cotton, lettuce, cauliflowers, broccoli, and sorghum. Cattle, calves, and dairy goods are, however, the most valuable Arizona farm products. Manufacturing is the leading economic activity, with electronics, printing and publishing, processed foods, and aerospace and transportation leading sectors. High-technology research and development, communications, and service industries are also important, as are construction (the state is rapidly growing) and tourism. Military facilities contributing to Arizona's economy include Fort Huachuca, Luke and Davis-Monthan air force bases, and the Yuma Proving Grounds. Testing and training with military aircraft and desert storage of commercial and military planes are both major undertakings. 

Arizona abounds in minerals. Copper is the state's most valuable mineral; Arizona leads the nation in production. Other leading resources are molybdenum, sand, gravel, and cement.

Between 1940 and 1960, Arizona's population increased more than 100%, and since then growth has continued. By the 2000 census the cumulative increase since 1940 amounted to more than 1000%, and Arizona was ranked among the fastest growing states in the nation. The mountainous north, however, has not shared the population growth of the southern sections of the state. Over 80% of the people are Caucasian and nearly 20% are Hispanic.

 

 

*Information from Columbia Encyclopedia, Sixth Edition

 


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