GAINESVILLE FLORIDA HOMES "YOUR EYE ON THE REAL ESTATE MARKET"

Mortgage  Guide
Qualifying for Loans (Financing)
 

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Mark Cohen, Broker
EYEMARK  REALTY,  INC.
Gainesville, Florida  32653   USA 

Florida Licensed Real Estate Broker
352-373-3783  Office          352-222-5609  Cell

Contact Eyemark Realty By Email Now
  

FHA Mortgage Loan Information 

VA Mortgage Loan Information 
     

CALCULATE Your Borrowing Power.

How Much Can You Afford?


  Our mortgage calculator will determine your monthly payment amount to help you pre-qualify for an affordable home loan.

Complete the following fields below: 

" Cost of Home", "Down Payment", and "Monthly Income". 

Then click "Calculate Now".

To view the different results of your calculation, click on the various tabs.

To e-mail yourself a copy of your results, click the "Receive this Detailed Analysis" link.

 
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:   %  


         WARNING to BORROWERS (Buyers) who have applied for or have been approved for a mortgage loan and are waiting for their closing to occur.

         Your lender (bank, credit union, or mortgage company) will most likely order a second FULL CREDIT REPORT immediately before your closing.

         If you have APPLIED for ANY TYPE OF (new) CREDIT (new credit card, home equity loan or line of credit, furniture, appliances, equipment, repairs, clothing, car, truck, vacation, landscaping, ANYTHING) or EXTEND or INCREASE YOUR EXISTING CREDIT your closing could be seriously delayed or cancelled.

         Your lender will check your debt-to-income ratio and how your new credit or debt situation affects your loan approval.  Your mortgage could be unapproved and cancelled thereby preventing your home purchase to close.

         So, from the time of loan application to after your closing,
DON'T EVEN THINK ABOUT BUYING OR ORDERING ANYTHING ON ANY KIND OF CREDIT.
       

Mark Can Assist You Now to Find Your New Home.

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FHA Mortgage Loan Information 

VA Mortgage Loan Information 

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Books & Discs About HOME Buying & Selling 

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LENDERS: Banks and Mortgage Companies


       The following lenders can give you detailed quotes for many types of loans.  (Disclaimer:  Mark Cohen, Broker, Eyemark Realty, Inc., and this Website do NOT endorse or specifically recommend any of the lenders listed on this page or anywhere in this Website.  The choice of lender for your loan is entirely your decision and should be done carefully after interviewing several lenders to see which one can serve you best.) 

www.americanfirstmtg.com    |   
www.bankofamerica.com    |    www.flcu.org    |       www.crownfinancialmortgage.com    |    www.ccbg.com    |     www.fboj.com    |    www.fcnf.com    |    www.floridacitizensbank.com    |    www.millenniumbank.net    |    www.primerica.com    |    www.ncmc.com    |    www.suntrustmortgage.com    |    www.wellsfargofinancial.com    |    www.wachovia.com    |    www.1stcu.com    |    www.campuscu.com    |    www.alarionbank.com    |    www.BBVAcompassbank.com    |    www.countrywide.com    |    www.msbank.com    |    www.bankmercantile.com    |    www.citifinancial.com    |    www.alligatormortgage.com    |   www.bbt.com   |   www.efloridaloan.com    |    www.cmsbrokers.com    |    www.naca.com    |    www.theabbaempire.com    |    www.lendingtree.com    |    www.bankrate.com    |    www.sheycompanies.com    |    www.floridahouseholdmortgage.com    |    www.gulfareamortgage.com   |   www.vystarcu.org   |    www.peoplesfirst.com 
  

   
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You can find More Real Estate Information at
 
www.EyemarkRealty.com
and
www.AmericaUSARealEstate.com  

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Mark Cohen, Broker
EYEMARK  REALTY,  INC.
www.GainesvilleFloridaHomes.com
Gainesville, FL  32653
352-373-3783  Office        352-222-5609  Cell

DISCLAIMER:  Eyemark Realty, Inc. has no control over the nature, content, and availability of websites, companies, organizations, or persons whose links (text and banner) appear on this website.  Therefore, Eyemark Realty, Inc. makes no express or implied warranties or representations of fitness, suitability, merchantability, performance, usage, accuracy, or non-infringement with respect to websites, companies, organizations, or persons whose links appear on this website or to any information, products, or services shown, offered, or sold on or by them.

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