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Frank L CoxxHomeSmart

Home buyer tools

Mortgage calculator

See what a house really costs each month: the loan payment plus taxes, insurance and HOA. Change any number and the total updates as you type.

0.0% of the price. Most VA buyers put nothing down.

Use the rate your lender quotes you.

Loan term

For example, a VA funding fee you finance.

VA loans don’t have it. Conventional loans with less than 20% down usually do.

These are estimates, not a loan offer or a rate quote. I’m a real estate broker, not a lender. Your actual rate, payment and approval come from a lender after they review your application. Starting values are examples only.

What goes into the payment

Lenders call it PITI: principal, interest, taxes and insurance. HOA dues and mortgage insurance sit on top when a home has them.

Taxes and insurance are the parts people forget. They’re usually collected with your payment and held in escrow. They also change from year to year, so the payment you start with isn’t always the payment you keep.

Property taxes vary a lot across the Charlotte metro. They depend on the county and the city or town. When we look at a specific house, I’ll pull the actual tax bill so you’re not guessing.

Got a number in mind? Let’s find the house.

Once you know the monthly payment you’re comfortable with, the search gets a lot easier. Call or text and we’ll start there.

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