Peggy Langley, Clearpoint Realtors
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Peggy Langley

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Mississippi and Tennessee Agent


Born in Mississippi, reared in Tennessee and now living in Mississippi!  Know all areas of both states very well and since I am centrally located, can cover the entire Memphis/Desoto County area in only a few minutes.  Love working in both states and regardless of the price home you are buying or selling, I "just" love helping people!


Calculators


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
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
0.43%of Cost
Annual Property Tax:  $  
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Optional
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:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  


Advanced Home Search


 

 


Here's your chance to be notified of all new listings in Memphis, Mississippi and surrounding areas that meet your criteria, absolutely FREE!

Not only will you be notified by email of all new listings that match your search criteria within our website, but your home search will also be compared against other participating agents listings within your desired area(s). All new listings added to the system that match your criteria will be emailed to you. 



Please enter your email below. You'll be emailed updates that match your criteria daily. Update your criteria or cancel at any time.

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First Name:  Address1: 
Last Name:  Address2: 
Email:  Address3: 
Phone:  City: 
    Country: 
    State/Province: 
    Zip/Postal Code: 
Step 2 - Enter Search Details
 
Price:   to    USD
Bedrooms: 
Bathrooms: 

Types: 
* Minimum of 1 Type is required
Locations:      
To narrow search results, click the "Specify Locations" radio button above.
Wish List:  Please describe below any additional desired features.
* * Maximum of 2000 characters


 
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