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Buyers' Resources


Home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family. When you own your own home, your hard-earned dollars contribute to your mortgage; the equity earned is yours. Over time, your home will increase in value.

Our relationships throughout the residential real estate industry help link our clients with the locations and properties that best fit their desires. Clients count on us to assist with insightful market knowledge and to act as trustworthy financial partners, enabling them to make sound real estate decisions. Our agents consistently rank at the top of the industry in experience and negotiating strength.

In the following reports, you will find the information you need to make a wise buying decision. We'll take you through the planning process step by step to help determine which home is right for you. You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details, and moving.

Our realtors are local area experts who adhere to our high standards of professionalism, integrity, and efficiency. Please contact our team if you have any questions about buying a home in Metro Detroit.

But Do You Need It?

The Right Home at the Right Price

Buying Your First Home

Avoid Common Buyer Errors

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Home Search


Step 1 - Enter Personal Information
First Name: 
Last Name: 
Email: 
Phone: 
Address 1: 
Address 2: 
Address 3: 
City: 
Country: 
State/Province: 
Zip/Postal Code: 
Step 2 - Enter Search Details
 
Price low:    USD
Price high:    USD
Bedrooms: 
Bathrooms: 
Half Bathrooms: 

Status: 

Types: 
Locations:   
Wish List:  Please describe below any additional desired features.
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Mortgage 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 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:  %
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