Jay E. Johnson
Jay E. Johnson - WebMLS.net - 330-904-6338 Your Professional Stark County Realtor®

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Welcome to JayEJohnson.net, your source for real estate in Stark County and surrounding areas.

In today's real estate market, timing is everything.  The good homes that are the best deals are sold before they are ever advertised in the local paper or home guides. Beat other homebuyers to the hottest new homes for sale with my New Listings Notification Client Portal.

Finding a good buyers agent or REALTOR® is essential to enjoying a real estate transaction. The best buyers agent or REALTOR® does not necessarly work for the largest brokerage, close the most transactions or make the most money. Please keep in mind that not all real estate agents are REALTORS®, in fact less than half are REALTORS®. REALTORS® conduct business at a higher level through a strict Code of Ethics. The best buyer REALTOR® for you is an experienced professional who will listen to you, knows the market and above all else is ethical.

I AM A REALTOR®

You do not need to know everything about buying real estate if you hire a REALTOR® .

Call me for a personal interview on how I can assist you or browse my website for real estate information.

Sincerely,

Jay E. Johnson

REALTOR®
www.WebMLS.net

330-904-6338

 

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
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


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: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  

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