The interest rate for this home mortgage loan.

The number of years you wish to finance this home mortgage loan (15, 20, 30).

The amount of liquid assets (money in savings or checking) you have available to use as a down payment.

As an example, suppose the assessor determines your property value is $300,000 and the assessment rate is 1.4%. You would multiply the property value by the percentage, giving you an estimate of $4,200. For more info, contact us.

As an example, the annual cost for a homeowners insurance policy can be estimated by multiplying the property value by 0.7%. For a $300,000 home, the estimated annual homeowner's insurance premium would be $2,100. For more info, contact us.

When calculating a front-end ratio, anticipated housing expenses are totaled and then divided by the borrower's gross monthly income, then multiplied by 100. Pick the percentage that is closest to your estimate (28%, 33%, 36%).

The back-end ratio is calculated by adding together all of a borrower's monthly debt payments and dividing the sum by the borrower's gross monthly income, then multiplying by 100. Pick the percentage that is closest to your estimate (36%, 40%, 45%).

The gross annual verified income of you and your spouse (if applicable).

The monthly amount paid for child support.

The total monthly amount paid for automobile loans.

The total monthly amount paid toward credit cards.

Any monthly homeowner association fees.

Anything else significant that you are obligated to pay on a monthly basis.