Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.


Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.


Required Fields
Estimate Insurance to of Cost
Estimate Tax to of Cost
Optional Fields
Receive Detailed Analysis  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)
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %



My goal is to make the process of buying, selling, or owning a home efficient, enjoyable and rewarding for you. See what my clients have said about my real estate services.

I have purchased 2 properties with Eiralda , she knows the business very well, she and her agent , Mr.Carrasco were very professional and responsive to me. Ms. Moncada | Bank manager . Bronx River Rd | Yonkers - Parchester| The Bronx . 2012-2016. 


I am so very happy with my house. Every morning, I thank God for this great blessing. I sometimes still cannot believe that I am now a homeowner. I remember how intimidated I was with the whole process of purchasing a home, me being a first time buyer and single at that. But my Realtor really took care of me and everything went by so smoothly. Thank you Eiralda for knowing exactly what I was looking for and for being persistent in your search and kept me abreast of every detail and handled the different stages of this transaction with timeliness and skill. You all have been very professional and sensitive to my needs. You are definitely a class act and believe me, I let that be known to anyone who asks. Samantha Costello -Restaurant manager . Northern Blvd .Queens 2016


 Si usted va a vender o a comprar una casa, le recomiendo que llamen a Eiralda. Muchos de mis amigos y miembros de la familia la han utilizado y cada vez es igual . ¡ una recomendación sincera! Eiralda … ¡usted es la mejor! Eugenio Reyes-Propetario de negocio. Beach Avenue | The Bronx. 2010.

I have known Maria for over 11 years , when she sold me the first 3 family property in The Bronx , I am very grateful to have known her since through her I have manage to invest in several real estate properties that as grocery store owner have benefited me from having a good early retirement. Thank you very much Maria, well her first name is Eiralda but I have always called her for her middle name. Mr. Saleh - Business owner . Morris Ave |The Bronx . 2012-2013-2016.

 Eiralda , que yo pueda escribir que ya no le he dicho , la considero mi amiga , hermana, confidente . Gracias a Dios y a usted mis finanzas estan en buen estado . Sus consejos han llevado a que mi vida sea mas placentera para el disfrute mio y de mi familia . Usted me vendio mi casa del Bronx , luego de varios anos usted la vendio por un excelente precio y nuestra ganancia fue grandiosa y a los 3 meses nos consiguio nuestra casa en Connecticut la cual la disfrutamos al Maximo con mucha tranquilidad y privacidad. Le sugiero a todo el que necesite un agente de Bienes Raíces para cualquier transacion que llame a mi amiga ; Eiralda, excelente broker . Mr. Valera . Private employee . Hoe Ave. | The Bronx - Stratford , Ct. 2012-2021


Iniciamos este agradecimiento con la palabra " Guerrera" ya que define a la Broker de esta Compania; una mujer super Responsable, dedicata , professional, de gran conocimiento en la materia y con grandes valores como ser humano. Eiralda, infinitas gracias por toda tu ayuda , desde el 2007 hemos recivido los servicios professionales de Eiralda para comprar, refinanciar, volver a comprar y rentar en el 2022 nuestra propiedad de inversion . Eiralda , Dios continue bendiciendo tu vida . COMPRAR , VENDER O RENTAR, Eiralda se la mejor ! The Grateraux . Private employees.Bailey - Moshulo Ave. | The Bronx : 2007-2023.

Eiralda, te queremos agradecer por todo el apoyo que nos has brindado por tantos anos . Si necesitan ayuda con cualquier transaccion de Bienes Raíces , llamen a Eiralda , no se arrepentiran. Los Hermanos Pérez .Investors. E 180th . The Bronx 2006-2022.

 La Senora Eiralda es una mujer may preparada y de basta experiencia , ella nos vendio una propiedad y ademas nos represento en la venta de un short sale .Excelente professional. A. de La Paz. Private driver. St. Mary | The Bronx . 2008-2010.

 Thank you Maria , because of you I finally purchased my house , a 3 family property, I collect good rent from the tenants you found for me and I live confortable with my family . Allahabi. Business owner. E 141st. St.The Bronx . 2019-2022.


If you are a lanlord looking for a liable broker to look out for you , Eiralda is the one , for 7 years she has been in charge of renewing the contract leases of my tenants and has been renting all the vacancy in my properties . She is amazing. Mr.Cardona. Business owner - investor . The Bronx . 2016-2023.