Seahorse Realty making it easer!


                                                                                                        

                                      A SUPER OPPORTUNITY FOR BUYERS AND SELLERS

When you list or purchase a home with SEAHORSE REALTY we will provide a HOME WARRANTY with the property, for one year.

SELLERS: From the time your home is listed with us until it is SOLD, your home will have coverage for the following, and the warranty will transfer to the buyer for one full year. This is an added feature which makes your home more valuable in today's marketplace.

         Heating System             Dishwasher                Heat Pump      Dishwasher  

        Garbage Disposal            Air conditioning/cooler  Range/over/cooktop 

        Ductwork                      Trash Compactor         Plumbing System

        A/C Freon Recapture       Built-in Whirlpool Motor & Pump             Stoppages

        Sump Pump                   Water Heater Sediment  Water Heater    Kitchen Refrigerator

        Electrical System            Exhaust Fan                                      Removal of existing unit

        Permits                         Built-in Microwave Oven

BUYERS: When you purchase a home from SEAHORSE REALTY, we will supply a Home Warranty for your new home. This will provide you with coverage for the items listed above, for on year!

In addition to the Home Protection Plan. SEAHORSE REALTY in alliance with Bank of America, is offering a closing cost credit to clients who purchase a home with SEAHORSE REALTY. The value of the credit depends upon the size of the loan. There are also no origination or appraisal fees when you purchase thru SEAHORSE REALTY!

With these added services, it will be easer and more profitable to sell or purchase a home than ever before.  Contact Me , we make pre-approvals quick and easy.

                             Seahorse Realty

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LET US HELP YOU FIND OUT WHAT YOU CAN AFFORD!  Our mortgage calculator will help you determine the 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:  %