Lake Conroe TX Real Estate , Conroe Real Estate, Montgomery Real Estate and homes for sale in Montgomery County, Texas, waterfront properties, lake properties, acreage, foreclosures - Claudia Hohlt, REALTOR® REALTOR® Logo - NUMBER1EXPERT NUMBER1EXPERT™ Logo
Lake Conroe, Conroe and Montgomery real estate listings, home buying, selling and homes for sale in Texas - NUMBER1EXPERT(tm)
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Claudia Hohlt
I am the owner and operator of HomesPlus Real Estate Services. Need a Realtor? Call me … you’ll be surprised at what I can do. I’m at 936-537-1656.

Special Offers
Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.
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Testimonials
"Awesome determination"
"You are a great friend and a great realtor !"
The Wrights - Conroe
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TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Claudia Hohlt is one of The Top Selling Real Estate Experts™
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School Reports
See the nation's top rated reports for Schools in Lake Conroe, Conroe and Montgomery >


Latest Listings
Get the Latest Listings Before Anyone Else!
As soon as I list another home for sale, I'll email you. You'll know first.
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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 Lake Conroe, Conroe and Montgomery, Texas
"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

Texas Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Lake Conroe, Conroe and Montgomery 



Real Estate Tips
Making An Offer >Buying Fast

Many buyers who find a house that looks perfect after house-hunting for only a couple of weekends hesitate to make an immediate commitment. They want to buy the house but are reluctant to make an offer without having looked at more properties.

Whether you are in a buyer's or seller's market, the best homes usually get snapped up quickly. When you find a great home that is well-priced, you may not have much time to think it over. Although it is difficult to make such an enormous purchasing decision without at least "sleeping on it," you could lose the house to another buyer if you hesitate. On the other hand, if you go rushing forward, you may spend some time nursing a case of "Buyer's Remorse."

Working with a professional real estate agent can make your decision much easier. Your agent can provide information about recent sales of homes in the area and answer any questions you may have. Keep in mind that a real estate agent's job is to find you a property that you want to buy, not to show you a lot of houses that won't interest you!

See All Tips In The "Making An Offer" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What unique type of home is making news as an affordable, environmentally-friendly housing alternative?

A 
Straw bale homes may well become the non-toxic, affordable home of choice in the future.
See More Real Estate Trivia >


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Claudia Hohlt, REALTOR®, real estate agent and broker for Lake Conroe, Conroe and Montgomery, Texas home listings, property and land for sale - NUMBER1EXPERT

Claudia Hohlt
Homes Plus Real Estate Services

19755 Hwy 105 West
Montgomery, TX. 77356
Phone: 936-537-1656
Fax: 936-588-3783
Alternate: 936-582-7710
Email: claudia@claudiahohlt.com

I am a long time Montgomery County Realtor who is very familiar and committed to this area. If you are considering buying or selling, I have the experience necessary to efficiently and effectively manage the process and help you maximize value in your next real estate transaction. Helping people on the move is my business........

REALTOR GRI Equal Housing MLS


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