Welcome to Around Town Realty!
 
Welcome to Around Town Realty (ATR).

Buying or selling a home is a complex transaction. We are here to help “keep it simple“.  Whether buying or selling, our goal is to make sure you get the absolutely best value in the transaction.

We promise to make your real estate experience stress-free and agreeable. We have a wide range of real estate experience and guarantee we will do everything to make your experience a positive one.  We will make sure that you get the most out of your next real estate transaction by taking advantage of cutting edge technology, products and services. 

We invite you to contact us with any of your real estate needs and questions. 

We look forward to hearing from you!

Office: 612-234-7286
Patrick@aTownRealty.com

Mortgage Calculator

Our mortgage calculator will help you determine loan amounts, mortgage qualification and more!

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.

The information you enter is 100% private.  Information is not recorded, shared or sold.  We Guarantee!
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:  %

FREE to Home Buyers Agency Services

As a matter of fact, in many cases we will pay you up to 1% of the successful sale price of the home towards your closing.

Call for additional information to see how much we can contribute to your purchase. 

763-234-7286
Patrick@aTownRealty.com

The Around Town Realty Professionals

The professionals at ATR Offer full service Real Estate representation customized fit to your needs.