Balancing Risk and Reality in the Hot Texas Market.
Rachel and Ben, earning a combined $320,000, have set their sights on a $800,000 home in Austin. However, their financial portfolio is heavily skewed towards cryptocurrency and alternative investments, leaving them with a smaller than ideal down payment and significant exposure to market volatility. Rising interest rates are making their dream home increasingly unaffordable, and they lack a comprehensive financial plan to navigate these challenges.
Using Golden Door Asset's PITI Calculator, Rachel and Ben can accurately project their monthly mortgage payments, including property taxes and insurance, under various interest rate scenarios. By integrating the Student Loan Calculator, they can also model the impact of their existing student loan obligations on their overall debt-to-income ratio. This allows them to make informed decisions about their down payment strategy, explore different loan options, and understand the true cost of homeownership. This precise calculation empowered them to adjust their target home price by 10% or $80,000 bringing it closer to their comfort zone.
The PITI Calculator is seamlessly integrated into the Golden Door Asset platform, allowing advisors to quickly generate personalized reports for clients and illustrate the impact of various financial decisions. Data visualization helps clients easily understand their financial position and explore different scenarios.
$2,500 in annual savings by optimizing property tax exemptions, and prevents $40,000 overspending by accurately forecasting PITI costs.
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