Joe Pacheco
Joe Pacheco Clearwater Real Estate
"Get On The Right Track"
Joe Pacheco

Mortgage Central, Corp.


 

 

mortgagecentralcorp@earthlink.net

 

Our Website

www.mortgagecentralcorp.com

CALL FOR YOUR

*FREE*

In-House Credit Report

Pre-Qualification

*Specializing In*

FHA - Conventional Programs

Purchases & Refinancing

*Investor Programs a Plus*

Self Employed - No Income-Verification

Jumbo – Second Homes

Short Sale Purchases

727-446-4053

Clearwater, Florida

Licensed Brokerage Business


How Much Can You Afford?


 
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.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $
Annual Insurance:  $
0.43%of Cost
Annual Property Tax:  $
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
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:    
 



Fannie Mae Mortgages


Dear Friends;

Lately, you might have heard or read that the Sub-Prime Market is in trouble. They stopped or made it more difficult to write slow credit loans.  Even some of those loans that weren’t so risky they stopped.

The Good News 

Fannie Mae, (Government back loans) are excepting sub-prime type loans in there system. Most of them at much lower interest rates then the sub-prime lenders.  Congress wants to overhaul the Fannie Mae system. Do away with the expanded approval programs. Before that happens, call me and discuss your options at no obligation to you.   

Fannie Mae’s Approval System

Fannie Mae has a Leveling Structure Approval System.   This means, the approval levels can range from an Approved / Eligible,  which is the best outcome with the lowest interest rate, to Approved / Eligible IV,   Which means a little higher interest rate then the Approved / Eligible approval, but still much lower then the sub-prime rate. But these loans will be at a fixed interest rate with no pre-payment penalty.

And of course, we do appreciate your business...

Mortgage Central, Corp.

727-446-4053

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