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Kathy and Brian Boals

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All agents are NOT alike! Find out why we are top real estate experts. Call us: 805-446-4200.

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Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Testimonials
Simple and Stress Free
“I really appreciated it! It was a pleasure working with you.”
Marcia Frey
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TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Kathy and Brian Boals 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 Thousand Oaks and Newbury Park >


Latest Listings
Get the Latest Listings Before Anyone Else!
As soon as we list another home for sale, we'll email you. You'll know first.
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Mortgage Calculators
Welcome > Resources > Mortgage Calculators > Your Maximum Mortgage ...

The Best Mortgage Calculators On the Web! 

Please try our 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. Try each calculator with different interest rates, loan amounts, and payment schedules. 

The mortgage repayment schedule and other reports are fully customizable - just for your home, your interest rate, your loan amount, your taxes, and more. 

Would you like a print out, for your records and future reference? Each calculator includes a View Report button. Click it, hit print, and you have a report, customized just for you... 

What's Your Maximum Mortgage?

What is your maximum mortgage? That largely depends on your income and current monthly debt payments. This calculator collects these important variables and determines your maximum monthly housing payment and the resulting mortgage amount.

This Financial Calculator requires a Browser with Java Support



Definitions

Monthly income
Total monthly income from all sources. All income should be entered before taxes.

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 Thousand Oaks and Newbury Park, California
"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

California Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Thousand Oaks and Newbury Park 



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 characteristics must a home have to be considered a prestigious property?

A 
Unique architectural design; Highly desirable location; celebrity status--owned by a well-known person.
See More Real Estate Trivia >


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Kathy and Brian Boals, REALTOR®, real estate agent and broker for Thousand Oaks and Newbury Park, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Kathy and Brian Boals
RE/MAX Olson & Associates

280 E. Thousand Oaks Blvd, Ste B
Thousand Oaks,, CA 91360
805-446-4200
Fax: 805-499-1746
isellthousandoaks@NUMBER1EXPERT.com

In 1988 Kathy and Brian opened their own real estate brokerage office. They are a dynamic husband and wife team and have developed their own unique agent and client support system for marketing, escrow management, property management, and seller and buyer services, and mortgage lending. "We have committed ourselves to providing the detailed supervision and care of each and every transaction we handle, which is necessary to protect our clients and comply with all legal aspects of each sale. We have also established strong relationships with leading Escrow companies, Title companies, property inspection services, and other services our clients need.We provide a personal touch and not a corporate environment for our clients and customers." Kathy and Brian have a passionate vision of service and are ready to be of assistance with integrity and honesty to their clients.

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