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

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
Monthly Income:	$ Required
Monthly Debt:	$ Required

Optional

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:

Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)

Monthly Rent:	$ RequiredMust be a positive number	No. of Years you plan on keeping the home:	RequiredInvalid
Annual Rental Increases:	% RequiredInvalid	Yearly Appreciation on the Home:	% RequiredInvalid
Monthly Renter Insurance:	$ RequiredInvalid	Annual Home Maintenance:	% RequiredInvalid
Savings or Investment Rate:	% RequiredInvalid

Your Real Estate News

real estate - Yahoo! News Search Results
Real Estate Manager 10284	2/14/2012 9:32 AM
One of the largest oilfield services companies, Weatherford operates in more than 100 countries and employs more than 50,000 people worldwide.
The LeonardVincent Group Opens Long Island Office	2/14/2012 7:00 AM
The LeonardVincent Group , a national real estate management and consulting company, has opened an additional office in Great River, N.Y. The new space will enable the compan
WFG National Title Insurance Company Selects ClosingCorp to Deliver Accurate Rates	2/14/2012 7:00 AM
ClosingCorp, an independent real estate closing cost data and technology company that develops online data services for mortgage lenders, real estate professionals and consumers, a
RioCan Real Estate Investment Trust Announces 20% Gain in Operating FFO for Fourth Quarter and 16% Gain for the Year ...	2/14/2012 6:00 AM
TORONTO, ONTARIO-- - RioCan Real Estate Investment Trust -HIGHLIGHTS for 2011:All figures in Canadian dollars unless otherwise noted. RioCan's results are in accordance with International Financial Reporting ...
Thompson & Knight Boosts Real Estate Capital Markets Practice in New York	2/14/2012 8:00 AM
NEW YORK, Feb. 14, 2012 /PRNewswire/ -- The law firm of Thompson & Knight LLP is pleased to announce the addition of William M. O'Connor and Evelyn H. Seeler as Partners in the Firm's New York office. ...
Robert Bemis Joins Zillow as Vice President of Partner Relations	2/14/2012 7:00 AM
SEATTLE, Feb. 14, 2012 /PRNewswire/ -- Zillow, Inc. (NASDAQ:Z - News), the leading real estate information marketplace, today announced real estate industry veteran Robert (Bob) D. Bemis is joining Zillow® as ...
Romance & Real Estate: How Your Housing Situation Affects Your Love Life	2/14/2012 4:12 AM
Where you live affects who you date -- and who will absolutely refuse to date you
Romance and Real Estate: How Your Housing Situation Affects Your Love Life	2/14/2012 6:13 AM
*
Engel & Volkers Introduces the "Barefoot House" to the Market	2/14/2012 10:21 AM
NAPLES, Fla., Feb. 14, 2012 /PRNewswire/ -- Engel & Volkers Florida, a globally recognized luxury real estate firm, announces their Jupiter Yacht Club location's recent listing of a historic beach house, ...
Canadian Real Estate Investment Trust Announces February 2012 Distribution	2/14/2012 9:03 AM
TORONTO, ONTARIO-- - Canadian Real Estate Investment Trust today announced its February 2012 monthly distribution in the amount of 12.00 cents per unit . The February distribution will be payable on March ...

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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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