Mark  A Smith
Mark A Smith 813 465 3421 markasmithtampabay.com
Realtor, Business Broker, Investor and Mortgage Loan Originator with Century 21 Shaw Realty Group!
Mark  A Smith

Mortgage Brokerage Services Business, Commerical and Residential


 

Do you know all the new changes and new rules to the mortgage process today ?  Let me help you through the process. First time Buyer ?

Fixed 30 year Residential Mortgages under 5 % lowest in 50 years.
For Best Rates:  1) 2 year job history 2) Good credit score 3) Low debt

Get pre-qualified before you look and know your loan amount, no surprises.

Many Sellers want to deal only with pre-qualified buyers save time and money and get ahead of the rest of the buyers.

Do you know your credit score ?

We deal with over 150 + lenders

 

First Trust Mortgage of Tampa, FL in business for over 20 years!                                         

 


Many New Changes To The Loan Application Process. Let Me Help Guide You.


 
Our calculators will help you determine loan amounts, mortgage qualification, affordability or 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.

 
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:   %  


Request Free Home Evaluation




Please complete and submit the following Online Free Home Evaluation form. The more information given, the more accurate the evaluation. All information you provide is secure and will be kept strictly confidential.

To provide a more detailed Comparative Market Analysis, we would be more than happy to also assess your listing in person.

   
First Name: 
Last Name: 
Email: 
Phone: 
Address: 
Postal/Zip Code: 
Year Built: 
Size: 
Bedrooms:     Bathrooms: 
Has Suite: 
Garage: 
  Type:     
Basement Type: 
Development:
Notes: 
Please describe any special features and recent upgrades.
For example: age of carpet & lino, type of kitchen cabinets, property backs park. List major renovations in recent years, etc.
* * Maximum of 1000 characters

When are you planning to move?
Required Field


   




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Whether you are planning to buy your first home or sell your existing home, contact us today! 

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