I have an old mortgage handbook that has current interest rates. The problem is loan amount goes to $40,000.

No.  I have buyers speak to a mortgage partner.   

I do not do loans ... that is why I have a trusted lending partner. When it comes to apps for mortgages ... not a fan of those either. 

I only use a mortgage calculator to figure monthly payments.  Figuring out if a buyer has income enough to qualify is the lenders job.  Too many variables to consider, and I don't want to get that involved in my clients finances.

It's still sitting in my briefcase, after 11 years of no use. I doubt highly that I can remember how to use it!  

I have never used Qualifier Plus.

No I don't.

Jeffrey - I have one in my desk at my home office. I haven't had a need to use it for quite some time.

Our MLS System has a mortgage calculator and it's usually the only one I use.

I have a calculator in the car that would do the mortgage payment, but forget how to do it.  Too easy for the lender to figure this out. 

Yes, I still have my 1st mortgage calculator and I use once a while. 

Never.  The Buyer gets that information from their lender...

No longer keep a calculator handy. Use the calculator on my iPhone or call a lender!

 No.

Good morning Jeffrey. I have one that I email to my clients and give them instructions on how to use it, so as they look at properties, they can come up with a monthly payment.

Jeffrey Jones - I sometimes do - however, I leave it to the lender and client (lots of them available online!)

I have one on my site that I use once in a while.

I don't use the one you mentioned, but I do have a great one on my phone. I love it. 

I always have one and use it personally.  In the past I would prequalify buyers and estimate payments, but that was a long time ago.

I have them call my lenders

Jeffrey,

We have always just referred them to a professional lender.  They are the one who will do the whole process from beginning to end.  Wishing you a great week.  A

Not any more. I should take it off my phone!

Yes, I use two different ones sponsored by title companies.

Yes, I use a mortgage calculator.

Jeffrey,
Even though I’m a former lender I stay away from running payments, qualifying buyers, etc. It can create a problem if an agent tells a prospect one thing and the lender tells them something different.

HI I always calculate an interset only and then guess on the principal part when on the road and a client asks.

I use the HP10B  II

I use a lender app but back it up with other calculations

I don't. I never did. I have lenders who do that for me.

I haven't seen that one. I use the one my prefered lender sent me the app for.

Yes on my web site

IPhone applications, but being honest never comes up. Usually the clients are already on their phones using the one that they have downloaded.

I use the  app on my phone now.

No since I now have amortization and financial apps in my phone, I can do what I need which isn't complicated analysis. I still have a couple of financial calculators at the office in case I need them.

Jeffrey Jones I use Infinity Softworks powerOne Finance Pro app. Does everything I need plus more. I still have my trusty HP 12c that I purchased when I first got my license in 1985.

I use a HP calculator.

The 90's called--they want their QQ Plus back for the Smithsonian exhibit (couldn't resist).

There is an app for the Iphone for the Qualifier Plus--it's very cool. you open it and it looks identical to the old hand held device. I have one for the HP 12c too.

Mostly I run the Simple Nexus app. I give it to my borrowers so they aren't calling me every ten minutes for payment quotes. "How much for $550,000 purchase???" "How much for $540,000???"

"Let's run $535,000"

That crap makes  me want to pull my eyeballs out...I just text them the link for installation on their smart phone and that does the trick.

Couple a cool things I learned:

• They slowly get over the payment shock as they realize what it's going to take to own that $600,000 house. They may be very resistant at first and then gradually wear themselves down to reality.
• You can see who's  hot and who's not  since you receive an email each time a prospect performs a calculation.
• your contact info stays in front of them every time they open the app.

I  very highly recommend getting  an app like this going for your business...

HP 10bii.
I broke my Qualifier and prefer it for simple stuff, though.
My CCIM Excel Financial calc works perfect on my desktop for the above and more.

I dont.