Stamford, Greenwich and New Canaan real estate and homes for sale in Connecticut - Phyllis Doonan, REALTOR® Phyllis Doonan REALTOR(r) for Stamford, Greenwich and New Canaan, Connecticut real estate - NUMBER1EXPERT™ Phyllis Doonan NUMBER1EXPERT(tm) for Stamford, Greenwich and New Canaan, Connecticut real estate

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Phyllis Doonan, REALTOR®, real estate agent and broker for Stamford, Greenwich and New Canaan Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)
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Mortgage Calculators: Stamford, Greenwich and New Canaan Connecticut home buying, real estate listings, and homes for sale in Fairfield                      County, CT
Welcome > Resources > Mortgage Calculators > Your Maximum Mortgage ...


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...
 

What's Your Maximum Mortgage?

What is your maximum mortgage? That largely depends on your income and current monthly debt payments. This calculator collects these important variables and determines your maximum monthly housing payment and the resulting mortgage amount.

This Financial Calculator requires a Browser with Java Support



Definitions

Monthly income
Total monthly income from all sources. All income should be entered before taxes.

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.




Phyllis Doonan, REALTOR®, real estate agent and broker for Stamford, Greenwich and New Canaan Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Phyllis Doonan
William Raveis Real Estate

817 Long Ridge Rd.
Stamford CT
06902
Cell: 203-943-0449
Direct: 203-363-7142
Fax: 203-329-4047
PhyllisDoonan@NUMBER1EXPERT.com
phyllisdoonan@earthlink.net
denisedoonan@earthlink.net

Born and raised in Co. Leitrim, Ireland I grew up on a dairy farm and was the youngest of six children. I went to elementary school in a two-room schoolhouse and later cycled six miles to and from high school each day! Life was simple, and my after school activities consisted of helping on the farm with feeding the calves, milking the cows and picking vegetables and turf for the fire. I was very connected to nature at the time! I can remember back to when the first electric light was installed in our house and when my father got his first car- it was a Ford! Both of these events were major milestones in my life and all of my childhood experiences have made me who I am today.

I immigrated to Stamford, CT in May 1968 and have never looked back (other than my yearly visits once or twice a year). When I arrived here, Stamford was not at all like it is today, and communication was completely different. To stay in touch with life back in Ireland I wrote 2-3 letters per week because the phones were a rarity. Stamford was a small industrial city and the average home value was about $25,000, and a direct waterfront could be found for $75,000- $100,000! Too bad I didn’t have money then!

In 1970 I met my husband, Kevin, and we dated for about 3 years, got engaged and on March 10, 1973 we got married. When I got married that was when I got my first taste of real estate by managing 40 garden apartments which consisted of qualifying, leasing and maintaining the entire complex. I got my real estate license in 1976, but decided to stay home with my daughter and be a stay-at-home Mom.

For the last 20 years I have dedicated myself to making the emotions of real estate and the moving process as painless as possible. I pride myself in listing, selling, marketing, negotiating and closing the best deals for my clients. I am established leader in Fairfield County Real Estate. I have been a consistent top producer ranking #1 in both units sold and closed dollar volume for the past 20 years. I believe that real estate is all about family and having built my business by being known as “The Matchmaker” – Matching Homes with Families and Families with Homes, I have proven success. I cover everything from the first-time buyer and renter to luxury homes and waterfronts along with condo and commercial developing. I feel as though my diversity allows me to understand and best suit my clients growing needs. I also believe in a strong work ethic and commitment to clear and effective communication.

Today I live in North Stamford and have 3 children. Denise works full time with me and got married to Henri 3 years ago and they recently had my “pride and joy” Bridget Kate, who is 15 months. Denise graduated from Westhill High School and Fairfield University with a Bachelors of Arts in Economics and minors in Biology and Psychology in 1997. Today she is my office administrator and licensed buyer specialist. We are very fortunate to have an extremely strong friendship that we are able to carry over into the business and a common business ideal based upon top commitment and service to our clients.

My older son, Kevin, is currently a senior at Dickinson College. Kevin is focused on school, ice hockey, water polo, lacrosse and is working on becoming an Emergency Medical Technician. Kevin graduated in 2003 from the Canterbury School in New Milford, CT. My younger son, Eamon, is a senior at the Canterbury School.


William Raveis real estate and homes for sale in Stamford, Greenwich and New Canaan Connecticut

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