Mark A Smith 813 465 3421 markasmithtampabay.com
Smith & Associates Real Estate

Mortgage Brokerage Services Business, Commerical and Residential


 

Do you know all the new changes and new rules to the mortgage process today ?  Let me help you through the process. First time Buyer ?

Get pre-qualified before you look and know your loan amount, no surprises.

Many Sellers want to deal only with pre-qualified buyers save time and money and get ahead of the rest of the buyers.

Do you know your credit score ?

 

Associates Home Loan of Florida, Inc in business for over 20 years!                                         

 


Many New Changes To The Loan Application Process. Let Me Help Guide You.


 
Our calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs.  To email yourself a copy of the 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:  %

Request Free Home Evaluation




Please complete and submit the following Online Free Home Evaluation form. The more information given, the more accurate the evaluation. All information you provide is secure and will be kept strictly confidential.

To provide a more detailed Comparative Market Analysis, we would be more than happy to also assess your listing in person.

   
First Name: 
Last Name: 
Email: 
Phone: 
Address: 
Postal/Zip Code: 
Year Built: 
Size: 
Bedrooms: 
Bathrooms: 
Half Bathrooms: 
Has Suite: 
Garage: 
 
 
Basement Type: 
Development:
Notes: 
Please describe any special features and recent upgrades.
(e.g. age of carpet & lino, type of kitchen cabinets, property backs park, major renovations in recent years)
* * Maximum of 1000 characters

When are you planning to move?
Required Field

 




Feedback Form



Whether you are planning to buy your first home or sell your existing home, contact us today! 

We'd love to hear from you!

To:  Mark A Smith
Subject: 

First Name: 
Last Name: 
Email: 
Phone: 
Comments: 

Main Page Listings  |  Property Management  |  Property Sellers  |  Business Brokerage  |  Investor's Corner  |  Property Buyers   |  Referrals  |  Rental Search/List  |  Mortgage Info  |  Calculators  |  About Me  |  Contact Me

Privacy Policy  |  Site Map  |  Profile  |  Sign In

Choose language: