Flexit Realty ~ "Flexible Real Estate Options" Gary L. White
Grand Rapids Homes For Sale ~ Call: 616-784-2360 
Gary L. White

Check Free Buyers "Reports" They Could Save You Thousands


Whether you are a seasoned buyer or a first timer you will appreciate the detail and completeness of our 64 page buyers guide.  This is a "special offer" not available for download because of the memory requirements.  Send us an email requesting a copy of our "FREE"  guide entitled "The Buyers Guide to Smoother Transactions" and we will  email you the free guide.  It will arrive in a zipped file.  Download unzip and print your own copy.  If you would like a meeting to go over specific issues or questions we will be happy to do that too.  We can drop off a printed version for you at that time.  We have specialized real estate specific education that could aid in your buying decision, saving you thousands of dollars.  Our Broker has earned the National Association of Realtors® designation of "Accredited Buyers Representative".  Take the time to review some of the buttons at the top of the page for "Buyers" these information packed reports should improve your buying experience and help you get the home you have dreamed of living in.  We don't expect to get your business with a report, we will earn that will all the work and information we supply you during the buying and transaction process.

Thanks, we look forward to assisting you. 
FlexIt Realty®


How Much Can You Afford? Free Mortgage Calculators


 FlexIt Realty can refer you to a lender that keep your best interest in mind!
Our calculators will help you determine loan amounts, mortgage qualifications, affordability and 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.

Free "Buyer's Guide" Help is only a Call or Click away! FlexIt Realty®, all rights reserved.

Call Toll Free: 800-336-5124 or Local 616-784-2360

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
0.43%of Cost
Annual Property Tax:  $  
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Optional
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:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  

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