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Wayne Lyons
All agents are NOT alike! Find out why I am a top real estate expert in Bethany Beach. Call me: 800-844-9151.

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Wayne was extremely sensitive to our needs and time constraints.
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TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Wayne Lyons is one of The Top Selling Real Estate Experts™
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Mortgage Calculators
Welcome > Resources > Mortgage Calculators > Your Income ...

The Best Mortgage Calculators On the Web! 

Please try my Java loan and mortgage calculators. They take a minute to load, but they are worth it! Each calculator has dynamic graphs and charts that change - right before your eyes - as you enter different information. Each financial calculator also includes a View Report option. The mortgage repayment schedule and other reports are fully customizable. These reports are designed for you to print out and keep... 

How Much Should Your Income Be?

What income is required to qualify for a mortgage? That largely depends on your monthly debt payments and the current interest rate. This calculator collects these important variables and determines your required income to qualify for your desired mortgage amount.

This Financial Calculator requires a Browser with Java Support



Definitions

Desired mortgage amount
The total loan amount you are looking to qualify for.

Monthly housing expenses
Your monthly houses expenses from the housing expenses worksheet. The items entered as housing expenses make up the taxes and insurance portion of your monthly PITI payment.

Monthly liabilities
Your monthly liabilities from the liabilities worksheet. Your monthly liabilities are used to calculate your maximum PITI.

Monthly housing payment (PITI)
This is your total Principal, Interest, Tax and Insurance (PITI) payment per month. This includes your principal, interest, real estate taxes, hazard insurance, association dues or fees and principal mortgage insurance (PMI). Maximum monthly payment (PITI) is calculated by taking the lower of these two calculations:

  1. Monthly Income X 28% = monthly PITI
  2. Monthly Income X 36% - Other loan payments = monthly PITI

Maximum principal and interest (PI)
This is your maximum monthly principal and interest payment. It is calculated by subtracting your monthly taxes and insurance from your monthly PITI payment. This calculator uses your maximum PI payment to determine the mortgage amount that you could qualify for.

Start interest rates at
The current interest rate you could receive on your mortgage. This is used as the starting point for displaying a range of interest rates and the resulting mortgage amount.

Term in years
The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.

The mortgage calculators are provided by KJE Computer Solutions, LLC and made available to NUMBER1EXPERT as self-help tools for your independent use and are not intended to provide investment advice. We can't guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.



School Reports in Bethany Beach, North Bethany and Fenwick Island, Delaware
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

Delaware Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Bethany Beach, North Bethany and Fenwick Island 



Real Estate Tips
Selling Your Home >Dress For Success

Looking good is important when you want to make a great impression, whether for a job interview or a social function. The same is true of a home that is on the market. When the "For Sale" sign goes up in front of your home, it should be "dressed" for the occasion.

Since the first impression will be of the front of the house, a well-groomed exterior is crucial, from the landscaping to the paint. The interior of your home should be clean and tastefully decorated. Take care of any minor cosmetic repairs that are needed, such as cracked plaster or peeling paint. A sparkling kitchen and shiny bathrooms, clean windows, and the absence of clutter will help your home "show well". Keeping your home looking good at all times is hard work, especially if you have children and are packing for a move. However, the dividends are impressive, because a home that looks well cared for has an excellent chance of selling quickly and for the best price.

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Real Estate Trivia
Q 
What famous person said this? "Real Estate is the best investment in the world because it is the only thing they're not making anymore!"

A 
Will Rogers, who began his career as a rope-throwing cowboy and later became a famous stage and film star.
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Wayne Lyons, REALTOR®, real estate agent and broker for Bethany Beach, North Bethany and Fenwick Island, Delaware home listings, property and land for sale - NUMBER1EXPERT

Wayne Lyons
Long & Foster

33298 S. Coastal Hwy
Bethany Beach
DE 19930
800-844-9151
302-539-4072
Fax: 302-539-2185
bethany-beach-homes@NUMBER1EXPERT.com

Wayne Lyons will tell you Bethany Beach, Fenwick Island, and the surrounding communties offer the best in life for those looking to make the most of coastal living. It is this love for home that has propelled Wayne to the forefront of his career as one of the area's most trusted real estate professionals. Few things bring him greater fulfillment than connecting others with the exceptional lifestyle here. Whether you are looking to buy or sell, give Wayne Lyons a call today.

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Long & Foster real estate and homes for sale in Bethany Beach, North Bethany and Fenwick Island Delaware


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