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John Choate - Your Tuolumne County Concierge Realtor & Negotiator

What Others Say

…Once we found the right house John's substantial experience paid off as he counseled us on what turned out to be a highly successful purchase strategy that included seller concessions beyond what we expected. During the entire purchase transaction John took care of all of the details big and small and represented us well throughout.   Gary Normington, Menlo Park, CA. 


John Choate

Twain Harte/Sonora, California, 95370
United States


Our calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs.  To email yourself a copy of the results, click the Receive this Detailed Analysis link.

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
  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:  %

What Others Say

The mortgage business brings you into day to day contact with Realtors. It’s not often that you run across an individual who places his client’s needs well above the transaction at hand. Not only do you build relationships, you build partnerships. You have a unique ability to listen and hear a client's needs and then to translate that into a search for homes that are within that scope. Living in the Bay Area makes it difficult to view each and every property that’s available. Certainly virtual tours help, but they don’t give you a feeling for the neighborhood. With your clear understanding of the area and neighborhoods, you narrowed our search for a home in the Twain Harte area to those places that truly met our needs. I appreciated your no nonsense and straight forward approach when dealing with sellers and listing agents and always felt that you had our best interests in mind. I also knew I could count on you to give your honest assessment, when called upon to do so; this for me was key to our partnership and trust. Your personal touch is unique to only a few in the “business”. I look forward to working with you again in the not too distant future. Larry Shaug, First Horizon Home Loans, Los Altos, CA
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