Southern Maryland Homes & Real Estate Marie Lally, Your Southern Maryland Realtor!

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How Much Can You Afford?

My calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs. To email yourself a copy of the results, click the Receive this Detailed Analysis link. You can alternatively give me a call at 301-748-8698 and I will be happy to assist you and answer any of your questions! I have a good understanding of the loan programs available and can assist you with your qualifying questions and needs. Be sure to ask me about 100% financing programs that are available through VA and Rural Development programs for eligible properties in Maryland! 100% financing means no money down!

Required Fields
	Required Must be a number between 1 and 50
Term In Years:
	Required Must be a number between 1 and 100
Interest Rate:	%
	Required
Cost of Home:	$
	Required Cannot be more than Cost of Home
Down Payment:	$
	Required
Annual Insurance:	$
	Estimate Insurance to 0.43% of Cost
	Required
Annual Property Tax:	$
	Estimate Tax to 1.2% of Cost
	Required
Monthly Income:	$
	Required
Monthly Debt:	$
Optional Fields
Gross Debt Service Ratio (GDS):
Total Debt Service Ratio (TDS):
Condos Fees:	$

Results

Receive this Detailed Analysis

Mortgage
Qualification
Affordability
Rent vs Buy

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:

Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)

Renting
Monthly Rent: $	RequiredMust be a positive number
Annual Rental Increases:	RequiredInvalid%
Monthly Renter Insurance: $	RequiredInvalid
Savings or Investment Rate:	RequiredInvalid%

Owning
Planned # of years in home:	RequiredInvalid
Yearly appreciation of the home:	RequiredInvalid%
Annual home maintenance:	RequiredInvalid%

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Inquiry Form

Please fill out the form, below, to inquire about a property, inquire about buying a home, or inquire about selling a home. I am happy to assist you! Of course, I can always be reached on my cell phone at 301-748-8698, or email at marielallyrealtor@gmail.com. For professional, responsive and friendly real estate services, call Marie!

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Click Photo or Address to Visit Property Websites with HD Video Home Tours, Photos and More! Interested in a Property? Call Marie Lally at 301-748-8698

29865 Washington Rd / Mechanicsville, MD

40321 Duke Rd / Mechanicsville, MD

Under Contract 22147 Hanover Woods Ct / Leonardtown, MD

Under Contract 20955 Oakland Hall Rd / Avenue, MD (Waterfront)

Under Contract 20900 Aquasco Rd / Aquasco, MD (Farm)

Under Contract - 29783 Skyview Dr / Golden Beach

SOLD 40670 Waterview Drive / Mechanicsville, MD

SOLD - 40680 Waterview Dr / Mechanicsville, MD

SOLD 29851 Lee Rd / Mechanicsville, MD

SOLD -11194 Commanders Ln / White Plains, MD (Active Adult)

SOLD 20908 Rowan Knight Dr / Lexington Park, MD

SOLD 11305 King Gallahan Ct / Clinton, MD

SOLD - 2733 Stanford Place / Waldorf, MD

SOLD - 3317 Baron Street / White Plains, MD

SOLD - 14415 Frontier Trails Ct / Waldorf, MD (Luxury Home)

SOLD 21581 Montfort Road / Bushwood, MD (Waterfront Horse Farm Property)

SOLD - 225 Vista Lane / Lusby, MD

SOLD - 2849 Portobello Ct / Waldorf, MD 20603

SOLD - 38800 Chasko Rd / Abell, MD (Waterfront)

SOLD - 43205 Heritage Drive / Leonardtown, MD

Want to see other properties? http://search.marielally.com

Brokered by O'Brien Realty / Equal Housing Opportunity

St. Mary's
Foreclosures
Potential Short Sales
$250K or less
$250K to $350K
$350K to $500K
$500K to $750K
$750K to $1M
$1M+ Luxury Homes
Waterfront Homes
Lots & Acreage
Townhomes, Condos, Duplex, Etc

Calvert
Foreclosures
Potential Short Sales
$250K or less
$250K to $350K
$350K to $500K
$500K to $750K
$750K to $1M
$1M+ Luxury Homes
Waterfront Homes
Lots & Acreage
Townhomes, Condos, Duplex, Etc

Charles
Foreclosures
Potential Short Sales
$250K or less
$250K to $350K
$350K to $500K
$500K to $750K
$750K to $1M
$1M+ Luxury Homes
Waterfront Homes
Lots & Acreage
Townhomes, Condos, Duplex, Etc

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Office Mgr: 301-481-5746
Ask for Marie Southern Maryland, MD
Cell: 301-748-8698
Fax: 301-884-7404
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How Much Can You Afford?

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