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David V. Fuentes Fuentes, GRI 661-932-0379 Email David V. Fuentes
Xander Mortgage & Real Estate Corporate Lic. # 02083716 & Broker Lic. # 02067197

Step # 1 How much can you afford? Paso # 1 A que precio puede Comprar


 

 


David V Fuentes, GRI, ABR, CSP, CPRES, CTC, PSA, Realtor      661-932-0379      email: david.fuentes.gri@gmail.com 

The Number One step towards the Purchase of your home is to visit a Loan Officer, he or she will bring out a calculator, run your credit report and figure out the "Ratios" to see if you would be able to to qualify to buy a home. Our 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.

When you are ready to visit the Loan Officer, this are the Documents you should bring to the appoiment:                 1.- Income tax Forms of years 2018 and 2019     /     2.- Most recent Paycheck Stubs of at least 2 months consecutively   /  3.- Most recent Bank Statements at least 2 months worth; include all pages   /    4.- Social Security Card   and Valid ID fom a Estate Office like DMV Driver License or Passport

IF YOU ARE A SELF EMPLOYED INDIVIDUAL, AND YOU HAVE NOT DECLARED YOUR INCOME FOR 2019, THE LENDER WILL ASK YOU TO TALK TO YOUR ACCOUNTANT, TO BRING A PROFIT & LOSS STATEMENT

Informacion en Espanol

El Paso Numero Uno hacia la compra de su Casa is el de visitar a un Oficial de Prestamos, el o ella sacara numerosos calculos, correra su reporte de credito y tratara de figurar las "tazas o tarifas", para ver si usted es elegible para la compra de una casa.  Nuestra Calculadora le ayudara a determinar el prestamo que usted necesita para comprar su casa de acuerdo a sus posibilidades, tambien le ayudara a decidir si rentar casa es la mejor opcion.

Llene su informacion en las ventanillas abajo indicadas y entonces haga click en "calculate now" para ver los resultados de la calculacion haga click en cualquiera de las carpetillas. Si desea hacer que una copia llegue a su correo electronico, haga click en donde dice: "Recieve this detailed analisys link" 

Cuando este listo para visitar al Prestamista, esta es una lista parcial de los documentos que debera traer a la cita: 1.- Las formas 1040 mas recientes de la declaracion de Impuestos o Income tax de 2018  y 2019  /   2.- 4 Talones de cheques recientes de su empleo por lo menos 2 meses consecutivos   /  3.- Recientes estados de Cuenta bancarios como le llegan por correo, incluya todas las hojas al menos de 2 meses /  4.- Su Tarjeta del Seguro Social   y   su Identificacion emitda por una Oficina gubernamental, como el DMV Licencia o Passaporte

SI USTED ES UNA PERSONA QUE TIENE SU PROPIO NEGOCIO Y NO HA DECLARADO SU INGRESO DEL 2018, EL PRESTAMISTA LE PEDIRA QUE SE COMUNIQUE CON SU CONTADOR PARA FORMULAR UN ESTADO DE PERDIDAS Y GANANCIAS. 

   
   

 

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
Results
  Receive this Detailed Analysis

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: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %

Contact Information


David V Fuentes
Real Estate Agent Lic. # 01424018

Notary Public, Translations, Apostilles

3145 Panama Lane Suite 150

Bakersfield, CA 93313

661-932-0379


Welcome


My services include :

Real Estate - Sales - Auctions - Purchase - Residential - Income - Ranches - Commercial

Loan Modifications - Principal Reduction -  Short Sales

Notary Public - Documents that need notarizations

Immigration Consultant

CPA - Taxes - Payroll

Insurance - Home - Auto - Life

Free Prequalifications for Home Loans - Purchase and Refinance

Let me, a proven Professional, help you achieve your goals