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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
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


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: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  


Listings By Map


Please use the hand tool to navigate the map by clicking and dragging, the grid on the left to adjust your level of zoom, and the buttons in the top right to toggle between map view, satellite imagery view, and hybrid view.

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Testimonials


"I am a first time home buyer. I could have easily been taken advantage of by a realtor with their personal agenda in mind. I could not have asked for a better realtor to find my first home. Kathy Wray understood my criteria and was always available when I needed her. She was very honest, caring, and aggressive when it came to my needs. I was able to find the home I always wanted. I am going to recommend Kathy to anyone who is looking for a home in the Temecula Valley area."      ~Jose Lomeli   (Menifee)

"I consider myself very lucky that Kathy answered the phone the day I called to inquire about a house. During my long search for a home, Kathy firmly encouraged me to wait until I found the house that I wanted, and not to overpay. Once we found the right house, Kathy was relentless in her efforts to follow up with the selling agent and owner for several months, as it was a short sale. After the offer was accepted, Kathy continued her diligence in working with the selling agent, owner, and escrow. In fact, the owner told me that if it wasn't for Kathy, they would have pulled out and moved to the next offer. She kept the whole process moving and now my family and I have the house of our dreams! We can never thank Kathy enough!"     ~Jeff Allred   (Hemet)

"Kathy Wray was our realtor during the fall of 2009 when we were searching for a house in Temecula. We had previously worked with others during our yearlong search and were fortunate that Kathy picked up the phone when we called to arrange a viewing of a Temecula home recently listed by her real estate office. She was very knowledgeable of the area we wanted and was responsive to all our questions. Once we were in the negotiating process to purchase the house, Kathy was extremely thorough and actively involved at every step. She follows through on every concern and maintains quick contact via phone and email. She puts no pressure on the buyer and does not waste time showing the buyer houses which do not fit their requirements. I would most highly recommend her to any potential buyer or seller."     ~Mr. and Mrs. Dennis Kroeger   (Temecula)

"Thank you for making our home buying process quick and painless! Your kindness and thoughtfulness did not go unnoticed. We wish you all the greatest success!"     ~Bob and Bonnie Wiersma  (Menifee)

"We could not have asked for a better realtor than Kathy Wray when selling our home in Temecula. She was so caring and diligent through the whole process and went out of her way to help us with many things that were not in her job description. We are senior citizens and were especially pleased with Kathy's personal concern about us. We would highly recommend Kathy for anyone buying or selling a home."     ~Mr. and Mrs. Dressel   (Temecula)

"My wife and I knew that buying our first house was not going to be an easy task, but working with Kathy made it easier, as she made us feel comfortable and at ease. She worked real hard to make our dream come true. She is very honest and professional. It was a great pleasure..."     ~F. Yazdani  DDS

 


Please contact me for all of your real estate questions.

Kathleen Wray, M.A.
 
Kathleen Wray, M.A.
Email Kathleen
 
Phone: 909-633-4923
Fax: 866-871-4729
Address: P.O. Box 891598
City: Temecula
State: California 92589
Country: United States
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