Palm Beach County Real Estate

Luxuriously Affordable!

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Your Team

Your Agent
A successful purchase starts with the right representative. In fact, once you’ve selected the best agent to represent you, it is likely that he or she can recommend other professionals to join your team, taking more of the responsibility off of your shoulders.

Lender (Appraiser)
A bank is not just a bank. Having the right backer can be extremely important – it is your money we’re talking about after all! Make sure that your lender and financial representative is someone with whom you feel comfortable, and be wary of any lender who promises you more than you think you can reasonably afford. Your lenders may or may not require an independent appraisal, and typically will make arrangements for the appraisal themselves.

Lawyer
Your home purchase is far too important a transaction to skimp on legal representation at the risk of leaving yourself open to costly future issues. Find a lawyer who is willing to take the time to answer your questions and who specializes in real estate law.

Home Inspector
No home inspection is 100% guaranteed, but a few hundred dollars to catch a major problem now is certainly better than many thousands to correct that ‘surprise’ down the road. Ask your agent for a recommendation.

Contractor
Planning some renovations? You’re not the only one! The home renovation industry is booming, and in some markets, booking a contractor must be done months in advance (that’s a long time to go without a kitchen). Don’t let finding the right contractor slip through the cracks – planning ahead will almost certainly make your renovation smoother, and you contractor will appreciate the advance notice.

Your Plan

1. Find the right representative
Even if you’re not quite ready to buy, your buyer’s agent can be an absolute wealth of information, and can often offer ‘scoops’ on local developments you might not have know about otherwise. Speak to your agent first and he or she can be helping to guide you right from the start.

2. Find out what your price range is
Online mortgage calculators are a good place to start, but as you get closer to being ready to buy, there is no substitute for a written mortgage pre-approval. Just speaking to your lender is an extremely worthwhile venture – this is the only way to really get an in-depth picture of your overall financial picture and to discover exactly what you can reasonably afford to spend on a home (and possibly on renovating).

3. Find out what your local market looks like
The internet can be incredibly valuable in doing preparatory research. Start with your agent – he or she can direct you to valuable resources and immediately start e-mailing you real estate listings that may interest you (or at least give you a better idea of what your needs and wants are).

4. Find out what your true needs and wants are
Compose a needs/wants list that takes into consideration your local market conditions, your price range, and the advice of your real estate agent.

5. Find your dream home!
Once you’re ready to act, you may be surprised by how quickly you can make a decision. Armed with your pre-approval, a little market knowledge, and your needs/wants list, call your real estate agent, hit the pavement, and when you see ‘the house’, put in an offer.

With the right team behind you, it really can be that easy!

Your Calculator

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
	Required Must be a number between 1 and 50
Term In Years:
	Required Must be a number between 1 and 100
Interest Rate:	%
	Required
Cost of Home:	$
	Required Cannot be more than Cost of Home
Down Payment:	$
	Required
Annual Insurance:	$
	Estimate Insurance to 0.43%of Cost
	Required
Annual Property Tax:	$
	Estimate Tax to 1.2% of Cost
	Required
Monthly Income:	$
	Required
Monthly Debt:	$
Optional Fields
Gross Debt Service Ratio (GDS):
Total Debt Service Ratio (TDS):
Condos Fees:	$

Results

Receive this Detailed Analysis

Mortgage
Qualification
Affordability
Rent vs Buy

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: $	RequiredMust be a positive number
Annual Rental Increases:	RequiredInvalid%
Monthly Renter Insurance: $	RequiredInvalid
Savings or Investment Rate:	RequiredInvalid%

Owning
Planned # of years in home:	RequiredInvalid
Yearly appreciation of the home:	RequiredInvalid%
Annual home maintenance:	RequiredInvalid%

Your Real Estate News

real estate - Yahoo! News Search Results
Real estate site Zoocasa adds MLS listings, agent recommendations	5/23/2013 7:43 PM
Zoocasa, an upstart real estate company owned by Rogers Communications, has launched a revamped website that aims to compete with Realtor.ca, Canada's dominant listings site, by presenting property listings ...
Real-estate projects get tax incentives	5/23/2013 9:07 PM
Long-term property tax relief has been granted to local, multimillion-dollar real estate projects in Brighton and Henrietta.
People in Clifton's Real Estate	5/23/2013 11:31 PM
Rosado
Oakland's real estate market heats up	5/23/2013 9:02 PM
Oakland is becoming a booming town with new tech companies moving in and people taking advantage of hot new real estate.
Bidding Wars Hit Hot Markets: Homebuying Looks Like 2006	5/23/2013 3:11 PM
Inside Real Estate/Staff, New Issue America/New Issue Pipeline, Industry Snapshot/Default, New Issue America/Default, Making Money/Investor's Corner, Front Page News/Feature Story, Front Page News/General ...
Real estate boycott launched	5/23/2013 6:14 PM
Saudi activists have launched a boycott campaign entitled “Do not buy” in retaliation against the high prices of land and the difficulties faced by citizens in purchasing houses.The average Saudi citizen cannot afford to buy a house, asserted Fadhel Al-Buainain, a local economist, pointing out that the salaries of the middle-income segment of the Saudi society do not exceed SR 6,000, which means ...
Real estate transfers October/November 2012	5/24/2013 1:23 AM
MONTGOMERY COUNTY ABINGTON 1079 Maple Ave., Roy and Anne Gibson to John and Brianna Potts, $225,000.
Barbara Corcoran: From waitress to real estate queen	5/23/2013 4:47 AM
Read full story for latest details.
Real estate log: Fresno Mundorff Home a Greene & Greene	5/23/2013 9:28 PM
Steve Lewis fell in love with a nearly century old, U-shaped house in southeast Fresno when he learned it was designed by architects Charles and Henry Greene -- the brothers who designed the Gamble House in Pasadena.
EANS-Adhoc: Atrium European Real Estate Limited / FIRST QUARTER 2013 RESULTS SHOW RESILIENT GROWTH AND INCREASED ...	5/23/2013 11:27 PM
=------------------------------------------------------------------------------- ad-hoc disclosure transmitted by euro adhoc with the aim of a Europe-wide distribution. The issuer is solely responsible for the content of this announcement. =------------------------------------------------------------------------------- ...

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Alternative Energy Resources
On this website you will discover practical ways to tap into these alternative energy resources such as Biomass Energy. Discover ways to use corn, corn stalks, wheat, pine cones, twigs, bark....to generate fuel to heat your home or drive your vehicle. the technology has been around for over 100 years. Basically, anything that decomposes or burns can be used to generate energy for your home or car. Learn how to become your own bootleggger and drive on Ethanol or produce your own biodiesel fuel or methane. Or run a vehicle on all three.

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UNSEARCHED GEMS AND ANCIENT COINS
Retail and Wholesale: We would like to welcome all of our previous customers that bought from us on eBay from adl1243 and direct1243 for the last few years. As well as all new customers. We are now selling on our own website only. Since selling on our own website drastically reduces our overhead we will be able to offer better prices and service. We will also be able to offer more types of inventory as time goes on.

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