PENDING
Featured listing
4618 Crystal Trail Way
Indianapolis, IN 46237-5016
2156 SF
3 Bedrooms -2 Baths
2 Car Garage
Move in ready
PENDING
Featured listing
8071 Oriole Point Dr
Avon, IN 46123-6983
1678 SF
3 Bedrooms -2 Baths
2 Car Garage
Move in ready
how much are the payments?
MORTGAGE CALCULATOR
Try this mortgage calculator to get an idea of how much a particular home will run. Of course the lender will have more precise figures for you.
Enter in the price you want to offer. For the down payment unless you have 20% to put down use $0 because their are usually loan origination fees that could be added into the loan amount. Use the going rate or the one the lender said you qualify for. Remember rates change on a daily basis. Find the property taxes on the listing and multiply that by 2. For insurance usually use 1% of the price of the home. Hopefully it will be lower. Keep the PMI the same unless you are getting a loan without PMI then put $0. Enter the month you think you will close, usually 30-45 days after your offer is accepted. Then enter the year we are currently in. Hit the calculate button.
Remember this is only an estimate.
See instructions above for using calculator
FIND YOUR DREAM HOME
USDA Guaranteed & Direct
USDA Guaranteed & Direct
Use this link to search for homes through the same system we work from as REALTORS® !
This system is more accurate than some of the home search sites.
If you find something you want to see please text the address to one of the agents you are working with at House Smart ™ Realty, LLC
HAVE REPRESENTATION- contact us to see any home!
USDA Guaranteed & Direct
USDA Guaranteed & Direct
USDA Guaranteed & Direct
This is one of our SPECIALTIES!
Find out if you or someone you know qualifies for:
NO MONEY
INTEREST RATES STARTING AS LOW AS 1%
33-38 YEAR MORTGAGE
The USDA Guaranteed is a program that guarantees loans though qualified lenders. The USDA Direct program goes directly though the USDA no lenders are involved. Both programs are based on the size of the household and the total income in the household. To see if you qualify for the programs click the USDA logo below.
House Smart ™ Realty, LLC will help you though the entire process and help you find eligible homes!
Beware of some brokers charge you for their service! We will not charge you a dime to help you through the process!
Seniors
Seniors
Seniors
Can you believe it, there is a program for seniors where you do not have to make mortgage payments ever again!
If you are ready to move into your forever home. you may qualify for a brand new home and never have to make another payment! Contact us and ask us about the HECM program for seniors over age 62. And don't worry if you have a home to sell we can help you with that too and save you money for your down payment on your new home. We work with all the major builders in this area, you may even want to do a custom build we can help with that too! We don't do loans, but we can assist in finding lenders that offer this program.
Need to get rid of stuff? We have the resources to make it happen without all headache!
Credit
Seniors
Seniors
Is your credit score too low to qualify for a mortgage?
There are many small things you can do to raise your credit score. It's best to talk to a qualified lender to get into all of the details. Adding a secured credit card can sometimes help raise your score. Click below to see how that might help.
Higher credit scores help a lot of things, such as, better interest rates, which helps lower payments, better insurance rates, and a sense of pride in yourself. Because we all know life isn't easy and this is one goal that should make you feel good about yourself.
The highest form of credit you can get is on a mortgage! So, once you purchase a home and make all payments on time, and don't max out credit you should see good things happening