DESERT PINES REALTY (Contents from former MKR Realty)

As a consumer you are entitled to all available resources for your real estate needs and I am here to help. We not only want to deliver the best Real Estate Service experience, you should expect it!

We want you to have...

The BEST Real Estate Service Experience

We are trained and dedicated to assist you with all aspects of your real estate needs and will help you with:

Establishing your home's value
Identifying ways to increase the home value Before it goes on the Market
Selling your home for top dollar
Negotiating a Short Sale
Relocating
Purchasing a new home
Identifying Investment homes
Luxury Investment home opportunities
Securing financing for U.S. and Foreign Nationals
Buying, Managing or Selling commercial real estate

At Desert Pines Realty we are committed to providing excellent service while assisting you in your buying or selling process. We employ Realtors® who distinguish themselves in today's real estate market. It is the attention to the fine details that set our real estate professionals apart and continue to make Desert Pines Realty THE place to buy and sell real estate in the Phoenix and Prescott areas.

Please call me with any questions or to find an agent near you:

Lisa Schofield, Designated Broker, Desert Pines Realty

480-540-1443 Phoenix

928-232-0795 Prescott

lisa@DesertPinesRealty.com

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

Required Must be a number between 1 and 50
Term In Years:
Required Must be a number between 1 and 100
Interest Rate:	%
Required
Cost of Home:	$
Required Cannot be more than Cost of Home
Down Payment:	$
Required
Annual Insurance:	$
Estimate Insurance to 0.43%of Cost
Required
Annual Property Tax:	$
Estimate Tax to 1.2%of Cost
Monthly Income:	$ Required
Monthly Debt:	$ Required

Optional

Gross Debt Service Ratio (GDS):
Total Debt Service Ratio (TDS):
Condos Fees:	$

Results

Receive this Detailed Analysis

Mortgage
Qualification
Affordability
Rent vs Buy

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:

Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)

Monthly Rent:	$ RequiredMust be a positive number	No. of Years you plan on keeping the home:	RequiredInvalid
Annual Rental Increases:	% RequiredInvalid	Yearly Appreciation on the Home:	% RequiredInvalid
Monthly Renter Insurance:	$ RequiredInvalid	Annual Home Maintenance:	% RequiredInvalid
Savings or Investment Rate:	% RequiredInvalid

DESERT PINES REALTY (Contents from former MKR Realty)

Calculators

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