Town and Village Realty 877-295-4111

Putnam County Homes-Putnam County Real Estate



Putnam County Real Estate Services


 

Putnam County Real Estate Services Provided by Town & Village Realty:

For Our Putnam County Buyers

  • Meet to gather pertinent information about the needs and wants for your home purchase
  • Have an understanding of financial position to help guide you towards a home purchase and financing.
  • Set up an automated email notification so you receive instant notification on Putnam County homes and price changes as they happen.
  • We will view homes that meet your criteria.
  • We will do our best to accommodate your schedule.
  • Once you find a home we will do a comparable market analysis on the home.  This will help you when deciding on a price to offer.
  • We will prepare a purchase offer that will be presented to you and then the seller.
  • We will negotiate on your behalf with your best of interest in mind.
  • Once the offer is accepted we will walk you through the home inspection, and negotiate repairs and cost as needed.
  • Contact your attorney or refer an attorney, and send them all the pertinent information.
  • Contact mortgage lender/broker with detailed information on the home purchase.
  • We can help with home insurance referrals
  • We will keep up to date with timeline contingencies and request extensions if needed.
  • We will do a final walk through of the home usually within 24 hours before the closing date.  Negotiate any issues that might of risen between the original inspection and the walk through.
  • We will be at the closing for you!

For Our Putnam County Home Sellers:

  • Establish a fair market value for the home and help you set the best price for your home based on your current needs.
  • Explain the market and how we come up with a fair market value. We do this by comparing currents homes for sale, pending homes sale and recently sold homes in Putnam County.
  • Educate the seller on what financing options are available to buyers in today’s market.
  • Required forms that are needed when selling your home will be provided.
  • Advise you on home repairs and cosmetics that will help with the showing and selling of your home.
  • We will keep a weekly contact with our home sellers updating on visits and feedback from other agents and the buyers.
  • Negotiate terms and price on your behalf when we have an offer.
  • Coordinate the closing with buyers agent, inspectors, appraisers and attorneys

Loan Repayment 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:  %

Putnam County Map


 



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