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"To leave satisfied you must arrive prepared."

 

Consider this your home buyer’s toolkit. Open it up, take a look around, and if you like, start equipping yourself with the tools necessary to make your best purchase. In most businesses, knowledge equals power, and real estate is certainly no exception.

I hope you enjoy the free reports I’ve provided, and I hope you learn a little more about what it takes to make your important purchase a great one.

The real estate market in Staten Island is certainly volatile, and all of the information about buying a home can be overwhelming. I can help.

Buyers01.jpgWhen you're ready to act, contact me.

I fight on behalf of my buyers.
I negotiate the absolute best price.
I protect you.
I simplify your transaction for you as much as possible.

I look forward to working with you.

Thanks for stopping by,
Hector and Michelle


Calculators

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
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:  %

Home Buyer Reports

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Be sure not to pay too much for your home!
Whether you are buying your first home, or your fifth, the process of buying a home is a detailed, time-consuming venture...
Read More 

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Ensure A Smooth Home Purchase
Buying a home can be an emotional, time-consuming, and complex process...
Read More 

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Avoid the Most Common Buying Errors
Shopping for a new home is an emotional experience. It’s also time consuming and comes with a myriad of details...
Read More 

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Things To Keep In Mind When Buying Your First Home
Many renters are starting to think about purchasing a home of their own. Several factors should be considered when purchasing a home...
Read More 

Home Search

Never miss the perfect home!  Search for your dream home now.  Begin Search  Home search
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Buyer's Toolkit
 

Your Team
Your Plan
Your Calculator
Your Opinion
Your Real Estate News
 

Read More

Helpful Articles

Why hire a real estate professional?

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 Hector Mesa NYS Lic. Associate Real Estate Broker / Michelle Mesa NYS Lic. Licnsed Real Estate Salesperson 

Robert Defalco Realty |1678 Hylan Blvd, Staten Island, New York 10305 

Serving:

ANNADALE, ARDEN HEIGHTS, ARLINGTON, ARROCHAR, BAY TERRACE, BLOOMFIELD, BULLS HEAD, BUTLER MANOR, CASTLETONCORNER, CHARLESTON, CLIFTON, CLOVE LAKE, CONCORD, DONGAN HILLS-ABOVE HYLAN, DONGAN HILLS-BELOW HYLAN, DONGAN HILLS COLONY, ELM PARK, ELTINGVILLE, EMERSON HILL, EMERSON VALLEY, FORT WADSWORTH, GRANITEVILLE, GRANT CITY, GRASMERE, GREAT KILLS,GRYMES HILL, HEARTLAND VILLAGE, HIGH ROCK, HUGUENOT, LATOURETTE, LIGHTHOUSE HILL, Livingston, LOWER TODT HILL, MANOR HEIGHTS, MARINERS HARBOR,MIDLAND BEACH,NEW BRIGHTON, NEW DORP, NEW SPRINGVILLE, OAKWOOD, OAKWOOD - NEW DORP BEACH, OAKWOOD - NEW DORP HEIGHTS, OLD TOWN, PARK HILL, PLEASANT PLAINS, PORT RICHMOND, PRINCES BAY, RANDALL MANOR, RICHMONDTOWN, RICHMOND VALLEY, ROSEBANK, ROSSVILLE, ROYAL OAK, SE ANNADALE, SHORE ACRES, SILVER LAKE, SNUG HARBOR, SOUTH BEACH, ST GEORGE, STAPLETON, SUNNYSIDE, SUNSET HILL, TODT HILL, TOMPKINSVILLE, TOTTENVILLE, TRAVIS, WARD HILL, WEST BRIGHTON, WESTERLEIGH, WILLOWBROOK, WOODROW,

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