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First time buyers, down payment grants up to $10,000!

 

$995 Down - It's great for buyers - and sellers too!

Buyers: Stop paying rent. Our $995 down 1st time buyer program knocks the socks off any other loan program available today. Why?  $995 isn't even the best part.  With $995 down there is also a first time buyer down payment GRANT of $4975!

PLUS

Grants are available up to $10,000!

Your rent can be your down payment!  What?  That's right right. Rent payments are due at the beginning of each month.  Your first house payment won't be due until the 1st day of the full month following your home purchase.  For example if you close on May 25th your 1st house payment is not due until July 1 (not June 1 when your rent is due).  The money that you would pay out in rent on June 1 can be your down payment on May 25. Give your landlord notice and move in to your new home before the rent is due at your current place!

 

There are thousands of homes available and you should be able to find a nice home of your own for about the same as you are paying in rent!

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Check out the buyers payment calculator below for some payment estimates. Call or email with questions. I'm always glad to help!

 

Sellers - The first time buyer segment is still the strongest segment in todays market! Think of how many buyers we can attract for your home with our $995 down program!  Unlike the down payment assitance programs that most agents use(those end Oct 1, 2008 anyway) this program does not require any down payment assistance from you!  If you have a home for sale or that you are thinking of selling that is priced under $200,000 then call me right away and lets get that home sold!

 

 

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Buyers Payment Calculator

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.

What numbers should I use for the calculator?: For price try to use $170,000 or less.  A good estimate for the monthly insurance is about $50.  For property taxes a good estimate is about $125.for the down payment put $5970 - that is the total of your $995 and the 5times matching grant!

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:  %
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