Why Rent?

When you could own a home for the same!

Find out your home buying power now!
See what you can afford based on your current
rent and financial profile.

Let Kreditsanta help you get closer to a dream
home for you and for your family.

Try the affordability Calculator Now!

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Total Taxes: $0.0

Insurance: $0.0

Principal & Interest: $0.0

Total Affordable Home Price: $0.0

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Terms Explained

At Kreditsanta Financial, we’re here to help! We want to make sure you have all the information and resources needed to plan confidently and make informed decisions. Not sure what some terms mean? Here's a quick guide to the key terms used in our mortgage calculator.

Your annual gross income is the total amount you earn each year before any deductions like taxes. On the other hand, your annual net income is what remains after taxes and other deductions are taken out.

Monthly debts include payments you make regularly to repay borrowed money. Examples include car loans, credit card payments, student loans, or obligations like alimony and child support.

Property taxes are calculated based on the value of your home and are typically paid annually. These taxes fund essential public services in your community, such as road maintenance, schools, and emergency services.

Home insurance protects your home against risks like natural disasters, fire, or theft. The annual premium is what you pay each year to ensure financial coverage for repairs or replacement of your home and belongings if unexpected events occur.

A down payment is the upfront portion of the home's purchase price that you pay out-of-pocket. This is usually expressed as a percentage of the total price. The remainder is financed through a loan, which you'll repay over time.

An interest rate, expressed as a percentage, is the cost of borrowing money. This rate determines the extra amount you’ll pay in addition to the loan principal. Mortgage loans typically have either a fixed-rate (a consistent rate for the loan's duration) or an adjustable-rate (which changes periodically).

The loan term is the agreed length of time you’ll take to repay the loan. It’s typically expressed in years or months, with common mortgage terms being 15, 20, or 30 years.

The principal refers to the original amount of money borrowed or invested. The interest is the additional amount a borrower agrees to pay for borrowing the money.

Contact Us

539 W. Commerce St #2256, Dallas, TX 75208

Phone: (760) 338-2131

Email: info@kreditsanta.com