Jesse Smith
Central Florida Realtor sells Real Estate Central Florida Realtor sells Central Florida Real Estate
Jesse Smith

Have you been Pre-Qualified?


Let me help you get pre-qualified for a mortgage.  Once you are pre-qualified or pre-approved, sellers will take you more seriously as a potential buyer.  Once they know that, they are more willing to negotiate on a price that will make you both happy.

Let me help you find out what you can afford! This mortgage calculator is only a preliminary tool.  It doesn't check credit or go through a large amount of different loan programs, so you should call me or email me in order to get better served and better feedback.


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
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


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:    
 



Central Florida Home Buyers and Investors


Central Florida Buyer Representation

 

For the intense personal touch, SunRaye Realty offers Buyer representation. Each and every day we examine all new Central Florida real estate listings entering the marketplace.  Perhaps one of those listings is just the property for you.  For some buyers, they want to drive by the home before scheduling the appointment to see the interior.  Other buyer’s will want me to schedule the appointment immediately.

You should use Jesse Smith for all your buying needs because I will listen to you.  My goal is not to sell you a house, but to find the best house for you based upon what you tell me.   Hopefully, if I am good, you will have several choices.  I do not want to waste your time on properties that do not fit your criteria.  You do not have to pay for this service as more often than not the commission is paid by the Seller. 

Occasionally, a well priced distressed home will hit the market in which you will want to pay SunRaye Realty a Buyer’s commission so the listing agent can obtain a full commission and better represent your offer to the seller.  
Just let us know the best way to serve you and we will do everything possible to meet your needs.  Whether you seek your first home, your second home or investment real estate, Jesse Smith will be thorough, professional and work for you.

Jesse L. Smith, Realtor
"Expect Great Service"
321.948.9486 cell
jesse@sunrayereo.com


10 Ways to Remove the Fear from Home Buying


1. Find a real estate agent that is both skilled and a good fit with your personality.  I don't charge my buyers to find them a home so you save with picking me.

2. Don't ask for too many outside opinions.


3. Accept that no house is ever perfect.

4. Don't over negotiate.


5. See the big picture: room size, kitchen, amenities, noise level, location, price.

7. Don't wait until you've found a home to get mortgage approved.

8. Factor in maintenance and repair costs in your home buying budget.

9. Accept that a little buyer's remorse is inevitable.

10. Choose a home first because you love it; then think about appreciation.

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