Christina Barone/Team Barone New Tampa Real Estate
A Realtor You Can Trust, A Realtor For Life

Click To Speak To A Mortgage Consultant Now!!!



NEED A MORTGAGE???


HAVE MORTGAGE QUESTIONS?  Purchasing your dream home?

 Call us today at (813)294-4904! Our team of mortgage professionals is ready to help you seven days a week. You receive a no obligation consultation and loan program recommendation tailored to meet your specific financial goals.  Take advantage of these historically low rates!  We offer:

 

·      15 MINUTES approvals or pre-qualifications for purchases

·      Stated/No Income Verification programs

·      Fico scores under 620 OK

·      Bankruptcy, Tax Liens, Foreclosures OK!

·      Refinance Contract for Deeds up to 100%

·      Cash out

·      Alimony/Child Support-High radios to qualify

·      Non-resident/Alien

·      Up to 100% purchase programs

·      Less than perfect credit, late mortgage payments-we can finance

·      Construction to Permanent-One loan, One closing

·      Self Employed

·      Investment homes

·      Primary, Second and Investment homes

·      Fixed, Adjustable, Interest only, what ever your loan situation may be, we have a loan program for you!

 

 

 

 


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:  %
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