Mortgage Calculators

Mortgage related calculators are a great way to prepare for a worry-free real estate transaction. If you need assistance in understanding how to use these calculators, feel free to call or email.

How Much Will My Payments Be?

Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.

Mortgage Principal Calculator

This calculator allow you to "peek into the future", allowing you to see the remaining balance of your mortgage after several months or years of payments.

Mortgage Length Calculator

This calculator will help you to determine your savings if you make larger monthly payments.

What if I Pay More Every Month?

See how your mortgage will be reduced, if you pay $$$ more every month.

Payment per Thousand Financed

Have you ever wondered how much you pay for every $1,000 of your mortgage loan? Find out here!

What is The Real APR for That Loan?

This calculator estimates your real APR (Annual Percentage Rate) with points.

Affordability Calculator

How much you can borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.

Tax Benefits Calculator

This calculator will calculate your tax savings after a house purchase. Financial analysis includes first year as well as total tax savings.

Should I Refinance?

Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.

Should I Pay Points to Lower My Interest Rate?

Calculate how much points affect your monthly payments and how fast they will pay for themselves.

Should I use HELOC to Lower My Debt Payments?

Learn how you can cut current monthly debt payments using money from your Home Equity Line Of Credit (HELOC.)

How Much Income do I Need in Order to Qualify?

Do you need to know how much money you must earn to purchase the house of your dreams? This calculator will help you figure it out.

What is Better: take a Second Loan or Pay PMI?

Don't miss an opportunity: Slash your PMI payments to zero! Take a second mortgage!

Interest-Only Calculator

Housing market moving up too fast? Figure out how much you can afford with an interests only mortgage loan.

Interest-Only with Additional Payments Calculator

Interest-Only loans can drastically cut your mortgage payments, but what if you want to pay something toward your principal? Figure this out here.

Canadian mortgage calculator

This calculator computes your monthly payment based on your input - conventional mortgage financing compounded semi-annually. It is also calculating required annual income, which every Canadian homebuyer need to have.

Which Loan is Better?

Can't decide which loan offer is better? Input your numbers here and lock-in the best offer.

Standard vs. Bi-Weekly

You heard that bi-weekly payments can significantly decrease the time of mortgage payoff? Check it out with this calculator.

Rent vs. Buy

Still renting an apartment and thinking about a home purchase? This calculator can help you make the final decision.

Paying off Credit Card Debt with Minimum Payments

This calculator is designed to show you how long it will take to pay off your credit card and how much interest you will pay if you only make the minimum monthly payment.

How Can I Payoff My Credit Card Debt Sooner?

This credit card payoff calculator will tell you how long it will take you to pay off your credit card debt with the amount you pay now, and how much you would have to pay every month to eliminate credit card debt even sooner.

Seller's Closing Costs & Net Proceeds Estimator

This calculator will help you estimate the seller's closing costs and net proceeds.

Monthly Payment and Closing Costs Estimator

This calculator will help you estimate the buyers's payments and closing costs.

DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your own financial advisor.

HAPPY CLIENTS!

“You were just amazing!  What a team!”
C. & Leona P. Oxnard, CA
– 5 home sales
******************
"You really do things right every time!"
Mary Jane S. Camarillo, CA
-- 3 home sales
******************
“You're wonderful, Elenita!"
Henry & Luz M. Oxnard, CA
-- 1 land sale
******************
"You were professional yet
understanding. Your knowledge
and expertise aided us In making sound
decisions. Thank you and your staff
for all you did for us."
Emily R.  Oxnard, CA
Santa Paula, California
-- 1 trust/probate sale
******************
More Happy Clients!
******************
"I will definitely refer people
to you!  You were great!" 
Kevin M., T. Oaks
******************
"Your service is superb!
You are really a "Dream Team"
so easy to work with."   
Edward B., Camarillo
******************
"Thank you, Elenita! You're the best!" 
Tammy M., Simi Valley
******************
"We couldn't have done it without
you." Jean M., Newbury Park
******************
We Work Behind the Scenes
Banks, Attorneys, Probate,
Trusts, Investors, CPA's
Both MLS & Non-MLS 
Fixers to Great Houses
Plus Tenant Issues &
LUXURY HOMES

Michelle McDaniel
Transaction Coordinator
michelledtcsolutions@gmail.com

Joshua Schneider
Home Staging & Projects
805-380-3738
Joshua@Elenita.com