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Gerri-Lynn Fives | Coronado Real Estate | Coronado Cays Real Estate Expert

Meet Gerri-Lynn Fives, 2013 REALTOR® of the Year by the Greater San Diego Association Of REALTORS®
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Financing Your Home Purchase

Understanding mortgages, interest rates and how much house you can afford to buy

Whether you are looking at a condo in Coronado or a house in San Diego, buying a home usually involves obtaining a mortgage loan unless you are downsizing your home or have equity for the full purchase amount, in which case you would not need a loan. It is important to figure out just how much property you can afford to spend your money on as well as maintain without overstepping your budget so that you do not waste time looking at homes that you will not be able to support. A simple and critical thing to do is to plan ahead for typical expenses related to buying a home such as your utilities, property taxed, strata fees, maintenance expenses, and any obvious renovations if the house needs them.


The best recommendation Gerri-Lynn Fives can give is to get a pre-approved for financing by a mortgage professional at the very beginning of the home buying process. Along with my partnership between myself and local mortgage brokers and financial institutions in Coronado and the greater San Diego area ensure that you are getting the best rates available and will put you in a position of power by being a serious cash buyer.


Feel free to contact me with any questions or concerns you may have in regards to financing your home purchase or to request a list of recommended mortgage professionals. To contact Gerri-Lynn or fill out a  Home Buyer Concierge checklist to and get started, please click on the links provided.

How Much Can You Afford?

The mortgage payment calculator below can help you get started in estimating what your monthly mortgage payments might be and how much you can afford to purchase a new home for. The maximum home price that you can afford depends on a number of factors including your household gross monthly income, your down payment and the mortgage interest rate. In addition to those factors, your monthly mortgage payment amount will also be affected by the total amortization period (or mortgage term) in years and the frequency of payment schedule (or payment interval) such as monthly, semi-monthly, or bi-weekly payments.

Mortgage Calculator

Purchase Amount: Down Payment:
Interest Rate: % Payment Interval:
Mortgage Term (Years)    
Closing Costs ($): Closing Costs (%):
Loan Amount:
Interest Rate:
Payment Interval:
Mortgage Term:
Total Payments:
Total Amount Paid:
Total Interest Paid:
This calculator is for information purposes only. Users should not use this calculator to make any financial decisions and should speak with their bank or mortgage broker. The website owner does not guarantee the accuracy or reliability of any information or calculations provided by this calculator. The website owner is not be liable for loss or damage of any kind arising from the use of this tool.
Do you have questions about Mortgage Financing for your Home Purchase?
Fill out our Home Buyer Concierge checklist or contact Gerri-Lynn for a FREE home buyer consultation »

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This information is deemed reliable but not guaranteed. You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION, YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (e.g. square footage and lot size) with the assistance of an appropriate professional. You may use this information only to identify properties you may be interested in investigating further. All uses except for personal, non-commercial use in accordance with the foregoing purpose are prohibited. Redistribution or copying of this information, any photographs or video tours is strictly prohibited. This information is derived from the Internet Data Exchange (IDX) service provided by San Diego Multiple Listing Service, Inc. Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display. The information and any photographs and video tours and the compilation from which they are derived is protected by copyright. Compilation © 2023 San Diego Multiple Listing Service, Inc.