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Current Mortgage Rates
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Find your best mortgage. Click here to search Hawaii's most current mortgage rates:
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Understanding Your Credit Score
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Understanding your credit score is critical to securing the best mortgage rate possible, as well as to overall financial health. The approximate impact that each credit reporting category has on your total credit score is calculated: 35% = payment history
30% = amounts owed
15% = length of credit history
10% = new credit
10% = types of credit used
For more information, click:
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For All Your Real Estate Needs:
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RESIDENTIAL · COMMERCIAL · DEVELOPMENT
PROPERTY MANAGEMENT
GAIL KOSIOREK (R) (GRI) (ePRO)
Owner, Principal Broker, License #RB-14033
48-505 Kamehameha Highway
Kaneohe, Hawaii 96744
Phone: (808) 239-3961
Cell: (808) 389-3723
Fax: (808) 239-8386
Email:
Gail@FidelityPropertiesHawaii.com
There is no substitute for integrity, personal service, and a solid foundation
of knowledge built on experience.
FIDELITY PROPERTIES
Great relationships start here!
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To search for homes through Oahu's
Multiple Listing Service (MLS),
click here:
http://www.hicentral.com
If you see something you like...
I would love to show it to you!
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How Much House Can You Afford?
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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 the various tabs. To email yourself a copy of the results, click the "Receive this Detailed Analysis" link. |
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Results
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Receive this Detailed Analysis
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Your Monthly Payments
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| Loan Amount: |
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| Loan Insurance (%): |
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| Total Loan (Mortgage) Amount: |
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| Principal & Interest: |
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| Monthly Loan Insurance (%): |
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| Total Monthly Payment: |
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| Income Needed to Qualify for the Mortgage |
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| Total Monthly Loan Payment: |
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| Total Monthly Debt Payment: |
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| Monthly Loan Insurance (%): |
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| Qualifying Income of % GDS Ratio: |
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| Qualifying Income of % TDS Ratio: |
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| What You Can Afford |
| We are using the % ratio. |
| Cost of House: |
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| Down Payment: |
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| Loan Value: |
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Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate) |
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