Nicoleta Kallo (403) 254 2540 Email Nicoleta

We can write the offer for you for a flat fee!

An offer to purchase is a legally binding document. Wouldn't be wiser to have it written by an experienced professionist for a flat fee?

SMART Real Estate can asist you by writting the offer for you, for a flat fee. Please call us for the details! Do not miss on this great opportunity!

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

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

Poll for Private Sellers

The most hassle for you when listing my home is...

Request Home Evaluation

Hello,

Please complete and submit the following Online Home Evaluation form. The more information given, the more accurate the evaluation. All information you provide is secure and will be kept strictly confidential.

Butplease keep in mind that in order to provide a more detailed Comparative Market Analysis, we would need to assess your listing in person.

Thank you for the opportunity!

Nicoleta & Catalin Kallo

* First Name:

* Last Name:

* Email:

* Phone:

* Address:

Postal/Zip Code:

Year Built:

* Size:

Bedrooms:

Bathrooms:

Has Suite:

Garage:

Type: Electricity: Heated: Air Conditioned:

Basement Type:

Development:

Notes:

Please describe any special features and recent upgrades.
For example: age of carpet & lino, type of kitchen cabinets, property backs park. List major renovations in recent years, etc.

* * Maximum of 1000 characters

When are you planning to move?

* Required Field

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