LET'S TALK REAL ESTATE

Preparing Your Home


• First and foremost, clean. It sounds simple, but a clean house always sells better. Keep lawns

and hedges neatly trimmed, weed flowerbeds and maximize your curb appeal.

• Clean out your garage or carport to show its full size.

• Next, remove the clutter. You might like that ‘lived in’ feel, but the more potential buyers focus on your collection of Van Halen memorabilia, the less they notice the property. So put your stuff away or consider a storage unit. 

• Make minor repairs. Replace cracked tiles, touch up places that need painting, fix door knobs, squeaky doors and cupboards and leaky faucets.  

• Third, consider a professional home stager. If your place is empty, or lacks a bit in the decorating department, home stagers can make your place look like a spread from House & Home in no time. Statistics tell us that the homes that show the best sell faster and for more money. 

• Photographs. Good pictures get people interested and professional photos are the way to ensure your

place looks it’s best. It’s also important to have accurate measurements and floor plans because for most buyers

it’s never too early to start thinking about which way the couch is going to face. 

• Clean again. Really. Keep doing it. It’s that important. 


Calculators


Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

 

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

 

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
Results
  Receive this Detailed Analysis

Your Monthly Payments
 
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
 
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %