Coldwell Banker Open Door Realty Protect yourself and your Investment. Be represented.



NICKY SMITH - Coldwell Banker Open Door Realty

Unless you've been involved in a real estate transaction, you cannot appreciate all that's involved. Buying and/or selling real estate can be a very stressful venture. Quite often unexpected issues will arise, leaving those involved feeling confused and overwhelmed. For those who recruit the services of a real estate professional, these "bumps in the road" can be a little smoother.

My primary goal as a real estate professional is to assist clients in having the best experience possible during their real estate transactions. This isn't just a matter of helping clients sell or buy real estate, but also helping them to understand the market and how it affects their goals and plans.

Having said that, there is nothing more rewarding than making that phone call to say, "Congratulations homeowner!" or "Congratulations! Your house is sold!", especially after a long, hard road of frustration and hopelessness.

If you're thinking of buying or selling real estate, and are nervous about "going it alone", don't hesitate to contact me. I'll stick by your side every step of the way!

Please browse my website for listings, reports and important local real estate information.


Nicky Smith



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:  $
  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)
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %
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