A Higher Level of Excellence

Let us help you find your DREAM HOME!

Our goal is SIMPLE: To help you get the RIGHT house in the RIGHT neighborhood at the RIGHT price.

You will find us to be the professional, enthusiastic, service-oriented Realtors that you have always wanted… serving you before, during, and after the sale. We take our Fiduciary Duty very seriously and we will fight to get you the best deal possible, make sure your goals are achieved, and protect your interests to the best of our ability.

The Buying Process

1. Initial Consultation
• Understanding Your Needs & Expectations
• Discuss Agency Relationships
• My Role as Your Sales Professional
• Determine Best Contact Method
 
2. Home Search Plan
• Defining Home Search Priorities 
• Searching for Properties
• How to get the most from our websites 
• Working Together to Find the Right Home
 
3. Mortgage & Financing
• Mortgage Basics and Appraisals 
• How to choose a Mortgage Provider
• Putting You in Touch with the Right Lender 
• Pre-Approvals and being Ready 
 
4. Offers & Agreements
• Preparing & Submitting Offers 
• Forms, Agreements and Disclosures
• Counter Offers & Negotiations 
• Home Inspections & Warranties
 
5. Pre-Closing & Settlement
• Completing the Final Process 
• Review of the Settlement Statement
• Walk Through & Prorations 
• A Smooth Transition to Your New Home


How Much Can You Afford?


 

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. 

Get Pre-Qualified
Call Stan Makowski at at 603-860-5860
NMLS# 279225

www.RMSmortgage.com/StanMakowski

Residential Mortgage Services Inc.  NMLS # 1760

 

 

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
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:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %