Local Expert Lives on Lake LBJ
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Jeff Spears
The Lake LBJ Group All City Real Estate
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Local Mortgage Providers

I offer these references as a service.

American Bank 830-598-4200

Security State Bank and Trust 830-693-5553 

HNB Mortgage
Marble Falls, TX

512-B US Hwy 281
Marble Falls, TX 78654
 

 Phone: (830) 693-3373
Toll Free: (888) 693-3373
Fax: (830) 693-6038

 

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:  %

Mortgage Rates and News

Mortgage News Daily

UI Urges Abandoning New Fannie/Freddie Amendments
3/5/2021 10:54:11 AM
Rate of Forbearance Improvement Slows as March Expiration Looms
3/5/2021 10:43:54 AM
CFPB Extends Compliance Date for New QM Rule
3/5/2021 10:37:00 AM
MBS Day Ahead: Huge Jobs Report; Bonds Weaker, But Surprisingly Resilient to Start
3/5/2021 9:30:48 AM
Recruiting, Training, MLO, AE Jobs; DPA, Tech Products; Principals and Attorneys Weigh in on Wholesale Tumult; Strong Jobs Data!
3/5/2021 8:59:49 AM
Mortgage Rates Surge After Powell Comments
3/4/2021 4:27:00 PM
MBS RECAP: Why Bonds Tanked After Powell (And Why It Was No Surprise)
3/4/2021 3:19:07 PM
Why Bond Yields Spiked After Powell's Speech Today
3/4/2021 1:57:32 PM
LO, Ops, AE Jobs; HELOC, Efficiency, AMC, Sales, VOE Tools; Podcast for LOs; Jumbo and Non-QM News
3/4/2021 8:56:46 AM
MBS Day Ahead: Big Risk That Powell Disappoints Bonds By Being Honest
3/4/2021 8:29:07 AM