Denver Colorado Real Estate, Denver Colorado Homes, Denver Colorado MLS Listings, Denver Colorado Realtor, Colorado Real Estate Agent, Residential Real Estate, New Homes, Denver Colorado New Home Construction, Denver Colorado Relocation, First-time HomeBuyers, Buyer & Seller Agent - Anthony M. Rael - Metro Brokers DENVER, COLORADO REAL ESTATE AGENT/Realtor How Much Home Can You Afford in the Denver Colorado Real Estate Market? - Denver Realtor, Anthony Rael Denver Colorado Real Estate, Denver Colorado Homes, Denver Colorado MLS Listings, Denver Colorado Realtor, Colorado Real Estate Agent, Residential Real Estate, New Homes, Denver Colorado New Home Construction, Denver Colorado Relocation, First-time HomeBuyers, Buyer & Seller Agent - Anthony M. Rael - Denver Real Estate Broker/RealtorDenver CO Real Estate, Denver Colorado Homes for Sale, Denver Real Estate MLS Listings, Realtor, Colorado Realtor, Colorado Real Estate Agent, Denver CO Residential Real Estate, Denver CO New Homes, Denver CO New Home Construction, Denver CO Relocation, Colorado Relocation, Denver CO First-time Homebuyers, Anthony Rael, Mike Rael, Michael Rael, Colorado Real Estate Expert, Honest Professional CO Realtor, Metro Brokers Northwest, Arvada CO Real Estate, Broomfield CO Real Estate, Golden CO Real Estate, Lakewood CO Real Estate, Northglenn CO Real Estate, Thornton CO Real Estate, Westminster CO Real Estate, Wheat Ridge CO Real Estate
 

First-time Homebuyers - Ask About Mortgage Down Payment Assistance and Mortgage Loan Grants for First-time buyers in ColoradoColorado Investment Properties - Second Homes, Vacations Homes, Condos, Townhomes, Duplexes, Foreclosures, Short-Sales, Fix-and-Flips through the Denver areaColorado New Homes, Custom Home Builders, Custom Homes, New Home Communities throughout the Denver Metro areaRelocate to Colorado - Relocation Services to ensure a smooth move to the Denver Colorado metro areaBuyer's Agent, Buyer Broker, Buyer Realtor, Buyer Representation ---- Seller's Agent, Listing Agent, Seller RepresentationSpecializing in Colorado Residential Real Estate throughout the Denver metro areaHome - anthonyrael.com


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FIND YOUR DREAM HOME
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SELLING A HOME
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ABOUT ANTHONY RAEL
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YOUR COLORADO REAL ESTATE EXPERT SERVING
Denver CO Real Estate - Denver CO Relocation - Denver Colorado Relocation Denver CO Real Estate
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Golden CO Real Estate - Golden CO Relocation - Golden Colorado Relocation Golden CO Real Estate
Lakewood CO Real Estate - Lakewood CO Relocation - Lakewood Colorado Relocation Lakewood Real Estate
Northglenn CO Real Estate - Northglenn CO Relocation - Northglenn Colorado Relocation Louisville Real Estate
Northglenn CO Real Estate - Northglenn CO Relocation - Northglenn Colorado Relocation Northglenn Real Estate
Thornton CO Real Estate - Thornton CO Relocation - Thornton Colorado Relocation Thornton Real Estate
Westminster CO Real Estate - Westminster CO Relocation - Westminster Colorado Relocation Westminster Real Estate
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Anthony Rael is a Proud Member of the Jefferson County Colorado Association of Realtors --- Is Your Agent a Realtor?

Denver CO Real Estate, Denver Colorado Homes for Sale, Denver Real Estate MLS Listings, Realtor, Colorado Realtor, Colorado Real Estate Agent, Denver CO Residential Real Estate, Denver CO New Homes, Denver CO New Home Construction, Denver CO Relocation, Colorado Relocation, Denver CO First-time Homebuyers, Anthony Rael, Mike Rael, Michael Rael, Colorado Real Estate Expert, Honest Professional CO Realtor, Metro Brokers Northwest, Arvada CO Real Estate, Broomfield CO Real Estate, Golden CO Real Estate, Lakewood CO Real Estate, Northglenn CO Real Estate, Thornton CO Real Estate, Westminster CO Real Estate, Wheat Ridge CO Real Estate
 


Denver Colorado Real Estate, Denver Colorado Homes, Denver Colorado MLS Listings, Denver Colorado Realtor, Colorado Real Estate Agent, Residential Real Estate, New Homes, Denver Colorado New Home Construction, Denver Colorado Relocation, First-time HomeBuyers, Buyer & Seller Agent - Anthony M. Rael - Metro Brokers DENVER, COLORADO REAL ESTATE AGENT/Realtor
Professional Real Estate Services in Arvada, Broomfield, Denver, Golden, Lakewood, Northglenn, Westminster, Wheat Ridge and Thornton Colorado. Services include Residential, New & Custom Homes Sales, Land Acquisition, Income/Investment Properties as well as Individual & Corporate Relocation
How Much Home Can You Afford in the Denver Colorado Real Estate Market?

Most home buyers don't really know what they can and can not afford to spend on a home. Why? Because the amount of money you will actually pay on your mortgage each month depends on more than just the amount of your mortgage loan. The interest rate and term of loan must also be considered.  Don't be fooled by some of the mortgage calculators out there - they are only quoting you the principle & interest payment (P&I).  It's extremely important for you to factor in other monthly homeowners fees such as taxes, insurance and homeowner association fees (HOA's) to get a more accurate estimate* of what you total house payment will be. If you have any questions, just call.

JANUARY 22nd & 30th, 2008
For the second time in the past nine days, the U.S. Federal Reserve slashed a key interest rate.  30-year fixed rate mortgages in Colorado are running 5.375% - 6%.  Prices are low and the selection of homes is plentiful -- Don't miss this opportunity!

MONTHLY PAYMENT CALCULATOR

Enter Values Here
( Please do NOT use commas )
 
Loan Amount:  
Interest Rate:  
Years/Term:  
Annual Taxes:  
Annual Insurance + HOAs:  

Results Display Here

Monthly Principle
and Interest:
Monthly Taxes:
Monthly Insurance and/or HOA Fees: 
 

TOTAL PAYMENT:

 

Pre-Qualifying for a Loan
Getting pre-qualified for a home loan is an essential part of the home buying process.  It helps prevent you from looking at and falling in love with properties that you simply can't afford.

The pre-qualification process is relatively painless and can be done over the phone in about 10-minutes with reputable mortgage loan officer. Be prepared to be open and honest about your financial situation and provide complete information.  Once you decide to apply for a home loan, this is the information you will need to get together for your loan application:

1. W-2's for the past 2 years
2. Most recent paycheck stubs covering the last 30 days
3. Residence addresses for the past 2 years
4. Names & addresses of each employer for the past 2 years
5. Last 2 months bank statements for all checking/savings accounts
6. Names, addresses, account #'s & monthly payments on all open loans
7. Addresses of any other real estate owned
8. Loan information on all real estate owned
9. Money for credit report and appraisal
10. Landlord names and addresses - past 2 years
11. FHA loans: Photo ID and Social Security card
 

What is the difference between pre-qualifying and pre-approval? CLICK HERE FOR AN EXPLANATION

If you have any questions about this mortgage calculator or just want someone to talk to about the whole process without any pressure or obligation, call me at 303.520.3179 and I'll be happy to meet with you.


Use my Buyers Toolbox to find your next home, get tips for new home buyer's, information on the 9 Steps to buying a home in Arvada, Broomfield, Denver, Golden, Lakewood, Northglenn, Thornton, Westminster or Wheat Ridge Colorado and understanding what buyer agency is and why you should be represented in a real estate transaction. You can also use my mortgage calculator to see how much home you can afford and explore available mortgage financing options and even sign up to receive the hottest new home LISTINGS via e-mail.

RETURN TO BUYERS TOOLBOX


Search Homes for Sale - MORE INFO
Find Your Dream Home
 - MORE INFO
Community Resources - MORE INFO

Denver Colorado Real Estate, Denver Realtor Denver Homes for Sale & MLS Listings - Anthony Rael

Honest, Responsive and Professional Real Estate Advice in the Denver Metro Area - call Anthony at 303-520-3179

 

*The calculator above is provided as a tool to help you determine the total payment that you might possibly qualify for. Use of this tool in no way guarantees a loan amount or payment amount that you will qualify for.
 

First-time Homebuyers - Ask About Mortgage Down Payment Assistance and Mortgage Loan Grants for First-time buyers in ColoradoColorado Investment Properties - Second Homes, Vacations Homes, Condos, Townhomes, Duplexes, Foreclosures, Short-Sales, Fix-and-Flips through the Denver areaColorado New Homes, Custom Home Builders, Custom Homes, New Home Communities throughout the Denver Metro areaRelocate to Colorado - Relocation Services to ensure a smooth move to the Denver Colorado metro areaBuyer's Agent, Buyer Broker, Buyer Realtor, Buyer Representation ---- Seller's Agent, Listing Agent, Seller RepresentationSpecializing in Colorado Residential Real Estate throughout the Denver metro areaHome - anthonyrael.comColorado's most comprehensive Real Estate website featuring thousands of Denver area homes, condos, lofts and investment properties

Denver Colorado Real Estate, Denver Colorado Homes, Denver Colorado MLS Listings, Denver Colorado Realtor, Colorado Real Estate Agent, Residential Real Estate, New Homes, New Home Construction, Relocation, First-time Homebuyers - Anthony M. Rael - Denver Real Estate Broker/Realtor ANTHONY M. RAEL, Realtor®
Anthony Rael & Associates ▪ Broker/Owner
Metro Brokers Northwest  12191 W. 64th Ave, #210  Arvada, CO 80004
Direct: 303-520-3179
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Denver Colorado Real Estate, Denver Colorado Homes, Denver Colorado MLS Listings, Denver Colorado Realtor, Colorado Real Estate Agent, Residential Real Estate, New Homes, Denver Colorado New Home Construction, Denver Colorado Relocation, First-time HomeBuyers, Buyer & Seller Agent - Anthony M. Rael - Denver Real Estate Broker/Realtor
HOME  ▪  SEARCH DENVER MLS REAL ESTATE LISTINGS  ▪  DENVER REAL ESTATE FOR OR SALE  ▪  SEARCH FOR YOUR DREAM HOME  ▪  RELOCATE TO DENVER
FEATURED DENVER REAL ESTATE LISTINGS  ▪ 
FEATURED DENVER HOMES FOR SALE  ▪  RECENTLY SOLD DENVER PROPERTIES  ▪  MY SERVICE GUARANTEE
9 STEPS TO HOME OWNING A DENVER HOME
 ▪  FREE HOME BUYER REPORTS  ▪  NEW DENVER HOME BUILDERS  ▪  NEW DENVER HOME COMMUNITIES
REAL ESTATE & ECONOMIC NEWS  ▪  PRE-QUALIFYING FOR A MORTGAGE LOAN  ▪  CURRENT MORTGAGE RATES  ▪  HOW MUCH CAN YOU AFFORD?

BUYER F.A.Q.'s  ▪  COMMUNITY & SCHOOL RESOURCES  ▪  DENVER HOMEBUYER'S TOOLBOX & RESOURCES  ▪  FREE DENVER REAL ESTATE ADVICE
BUYERS REAL ESTATE TOOLBOX  ▪  SAVE $500 ON YOUR NEW DENVER HOME  ▪  RELOCATE TO COLORADO  ▪  JUST LISTED CONCIERGE SERVICE
DENVER AREA VOLUNTEER OPPORTUNITIES  ▪  GOLDEN TICKET REAL ESTATE SAVINGS CERTIFICATES  ▪  BUYER & SELLER TESTIMONIALS
THINGS TO AVOID WHEN SELLING  ▪  PREFERRED DENVER AREA SERVICE PROVIDERS  ▪  DENVER REAL ESTATE COMMISSION SAVINGS
FREE HOMEBUYER REPORTS  ▪  "HOT-ON DENVER" VIDEO LIBRARY  ▪  COLORADO HOME WARRANTY  ▪  FREE REAL ESTATE ADVICE

FIND OUT HOW MUCH IS YOUR HOME WORTH  ▪  FIND OUT HOW MUCH YOUR NEIGHBOR'S HOUSE SOLD FOR  ▪  SELLER F.A.Q.'s
PRICING YOUR HOME  ▪  THINGS TO AVOID WHEN SELLING  ▪  FREE HOMEOWNER REPORTS  ▪  REAL ESTATE REFERRALS
 DENVER HOME VALUES  ▪  FREE DENVER HOME MARKET ANALYSIS  ▪  PRICING YOUR DENVER AREA HOME FOR SALE

SELLERS REAL ESTATE TOOLBOX  ▪  DECIDING TO SELL  ▪  FREE SELLER REPORTS  ▪  FREE HOME MARKET ANALYSIS
CONTACT REALTOR ANTHONY RAEL

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Anthony Rael, Denver Colorado Real Estate agent specializing in relocation, first-time buyers, home property values, home sales, Denver Colorado MLS listings.  Denver Colorado Real Estate, Colorado Relocation, single family homes, condos, town homes, lofts, land, short-sale, foreclosed, bank-owned and investment properties.  Search residential real estate throughout Colorado and Denver area communities including Arvada, Applewood, Brighton, Broomfield, Denver, Golden, Highlands Ranch, Lo-Do, Lakewood, Louisville, Northglenn, Thornton, Westminster & Wheat Ridge, Colorado.  Denver Colorado Real Estate website is provided by Denver Real Estate Agent Anthony Rael with Metro Brokers Northwest.  The content and images contained at AnthonyRael.com, RealEstateDenverHomesForSale.com, ColoradoRealEstateHomesForSale.com, BuyDenverColoradoRealEstate.com, SellDenverColoradoRealEstate.com, MikeRael.com, DenverCo-RealEstate.com, DenverCORealEstate, AnthonyRael-DenverCO-RealEstate.com, FirstTimeHomeBuyersDenverColorado.com, MetroBrokersNorthwest.com, Relocation-DenverColorado.com, SearchDenverColoradoRealEstate.com, HomesInColorado.info, SearchHomesInDenverColorado.com, SearchDenverHomesForSale.com, DenverRealEstate-DenverHomes-DenverRelocation.com are property of Denver Realtor Anthony Rael, Metro Brokers Northwest.  All Rights Reserved.