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MORTGAGE CALCULATOR

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.

FEATURED AREAS

Coto De Caza
Lake Forest
Rancho Santa Margarita
Mission Viejo
Rancho Mission Viejo
San Juan Capistrano

GET MORE INFORMATION

agent
Angela Allen

Agent | License ID: 02001957

+1(949) 633-7310

www.AngelaAllenRealEstate.com

26895 ALISO CREEK RD, STE B 694, Aliso Viejo, California, 92656, USA

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Phone*
Message
I agree by electronic signature to the Electronic Disclosure Consent; to receive recurring marketing communication from or on behalf of Angela Allen Real Estate Group, including auto-dialed calls, texts, and artificial/prerecorded voice messages (consent not required to make a purchase; data rates may apply; reply “STOP” to opt-out of texts or ‘HELP” for help); and to the Terms of Service and Privacy Policy of this website. I understand that I can call to obtain direct assistance.

Mortgage Help


Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.


Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.


Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire loan duration. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically, they start at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting with a lower interest rate.


Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on your credit score and down payment.


Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.


Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator's advanced options.


HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.


REVIEWS

Max Vincent

Angela was fantastic, She understood exactly what my wife and I wanted and she saw to it that she was sending me properties daily. She found us a great house on a perfect street at our price range and fought tooth and nail to make sure we were the ones accepted by the landlord. I was very impressed by her professionalism, kindness, and tenacity- I would highly recommend Angela as the agent for any of my friends looking in the greater Orange County area. Thanks again Angela!

Kristin

If you could create the ideal agent, that would be Angela! I have had the joy and remarkable good fortune to work with Angela on both sides of my real estate transactions, including the purchase and sale of property. During the process, I was completely supported by Angela’s professionalism, patience and non-stop problem solving, as both of my transactions were under less than ideal conditions. When I was in the process of selling my home, I’ll never forget returning to the brokers open after hours and not being able to get into the house. There were so many people stopping me to talk about Angela, asking if she was my agent, and sharing how wonderful she is! I didn’t understand at the time, but any agent would prefer to work with professionals they respect, like Angela. I had so many offers on that home, over asking price *pre-pandemic* , I hardly knew which to pick! Angela’s broad background in interpersonal communication, marketing, design and finance are unparalleled. When it came time to purchase a home, the market became a place no one recognized. Properties in my tiny city which said FOR SALE, but were fielding 22-26 offers a listing: all cash, no contingencies, elevator clauses, purchasing consortiums from Wall Street…were FOR SALE in name only. Angela never gave up on finding my dream home, in my tiny home city, in budget, A+++ school district, and on! I am like none of the other buyers who are purchasing the properties in my area, but I do have Angela as my agent and she made all the difference. You can find your dream home too, if you have the remarkable good fortune to work with Angela.

Denise Besler

Angela went above and beyond in helping us buy our dream home. She not only helped us with the buying process, but with the selling of my home as well. She was able to negotiate the right price on both homes, and it was no easy task! She worked day and night coordinating the deal on both ends, and was able to work through all of the challenges we faced. She was there every step of the way and addressed our questions and concerns right away. Beyond her impressive work ethic and savvy negotiating skills, Angela treated us like family. She always had our best interest in mind, was honest throughout the process, and was genuine in her quest to make this dream a reality for us. She is conscientious and truly cares for her clients. We found her by accident, but it was a true blessing to have her respresent us on the sale and purchase of both homes. We are forever grateful for all of her hard work and for closing this deal. Thank you, Angela!

Get your guide

A for-sale-by-owner (FSBO) transaction requires time, know-how and confidence. If you’re not sure that you have all three, enlisting the services of an agent — a professional who knows the ins and outs of listing and selling homes successfully — pays off. * Agents Avoid Emotional Sales
  • Agents Weed Out Unqualified Buyers
  • Agents Negotiate Price

Name*
Phone*
I agree by electronic signature to the Electronic Disclosure Consent; to receive recurring marketing communication from or on behalf of Angela Allen Real Estate Group, including auto-dialed calls, texts, and artificial/prerecorded voice messages (consent not required to make a purchase; data rates may apply; reply “STOP” to opt-out of texts or ‘HELP” for help); and to the Terms of Service and Privacy Policy of this website. I understand that I can call to obtain direct assistance.