Sam Elam
Berkshire Hathaway HomeServices
Arizona Properties
Arizona Broker BR110971000
California Sales 01065106
480-213-1799  |  EMAIL SAM

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Sam Elam - Arizona Real Estate Broker at Berkshire Hathaway HomeServices Arizona Properties






Sam Elam

Arizona Real Estate Broker


Cell: 480-213-1799

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Sam Elam Phoenix AZ Southeast Valley Blog is all about Phoenix AZ Homes for Sale, AZ Area Information, businesses, local area news, real estate investment tips and fun events that make Chandler, Gilbert, Mesa, Scottsdale and Tempe great places to call home.


Mortgage Calculators

Easy to Use Calculators to Help You with Financial Planning


Rather than guessing about home buying decision is the right one, here are some quick calculators that are designed to give you the answer you need to your specific question. You don't need to be the next math genius to find out how much loan is affordable for you to buy one of our homes for sale in Chandler, Gilbert, Mesa, Phoenix and Scottsdale AZ.

When you feel comfortable with the "numbers", contact me. You tell me the homes you like and I can send you Closing Statement for that special home that will include actual closing costs, down payment, as well as payment projections so you can see all "real world" costs for an actual home you are looking at.

Every MLS listing has the annual property taxes and total HOA monthly fee equivalent (Ttl Mthly Fee Equiv) in case there is more than one HOA or they collect quarterly, semi-annually or annually. If you can't find it in the listing, the amount is $0.00.

The calculators will give you monthly loan costs to repay principle over the life of the loan and interest on the outstanding balance. But you need to know the annual taxes to divide by 12 and home owners insurance to rebuild in case of fire or other covered damage.Call your insurance agent for their cost or for planning purposes I use $650 per year and divide by 12.

Attached properties have higher HOA fees than single family detached homes because the HOA is often responsible for maintaining the exterior of the condo or townhouse building, too. A higher HOA fee will reduce how expensive an Arizona home you can buy.

These calculators will help you look at "what ifs", so you can make better decisions. Please call if you need help. We should be able to figure it out together. I can put you in touch with a lender to give you more information specific to your situation.

Business Calculator

Use the following calculators to help you find the answers you seek:


What home can I afford?

What will my closing costs be?


How much can I borrow?

Am I better off renting?


How much will my payments be?

Am I better off refinancing?


How much will adjustable rate payments be?

What will my refinancing costs be?


Which is better: fixed or adjustable?

How can I reduce mortgage insurance costs?


Should I pay points to lower the rate?

Which lender has the better loan?


Which is better: 15 or 30 year term?

Which loan is better?


How much should I put down?

How advantageous are extra payments?


How much can I save in taxes?



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Comprehensive resource for Phoenix AZ homes for sale, Real Estate Investment Property and Homes for sale in Chandler, Gilbert, Mesa, Scottsdale and Tempe Arizona.

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