Pamela Shemet GRI 352-794-0888 Email Pamela

No registration required

Convenient access to Tampa & Orlando, yet a world away!

Questions regarding the golf communities of Sugarmill Woods, Black Diamond or Citrus Hills?

Perhaps Waterfront living Crystal River, Homosassa, Inglis or Inverness?

Communities of Lecanto, Citrus Springs, Hernando, Floral City, Beverly Hills

Equestrian community of Pine Ridge? Whatever your livestyle, Citrus County delivers!

As a resident of Citrus County since 1990, put my knowledge to work for you.

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

Whether you are planning to buy your first home or sell your existing home, contact Pam today!

We'd love to hear from you!


To:	Pamela Shemet GRI
	Please do not use <, >, or HTML.
Subject:

	First name is required. Please do not use <, >, or HTML.
First Name:
	Last name is required. Please do not use <, >, or HTML.
Last Name:
	Email is required.
* Email:
	Phone is required.
Phone:

Comments:	Please do not use <, >, or HTML.


Receive additional information via email. Unsubscribe at any time.

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 Fields
	Required Must be a number between 1 and 50
Term In Years:
	Required Must be a number between 1 and 100
Interest Rate:	%
	Required
Cost of Home:	$
	Required Cannot be more than Cost of Home
Down Payment:	$
	Required
Annual Insurance:	$
	Estimate Insurance to 0.43%of Cost
	Required
Annual Property Tax:	$
	Estimate Tax to 1.2% of Cost
	Required
Monthly Income:	$
	Required
Monthly Debt:	$
Optional Fields
Gross Debt Service Ratio (GDS):
Total Debt Service Ratio (TDS):
Condos Fees:	$

Results

Receive this Detailed Analysis

Mortgage
Qualification
Affordability
Rent vs Buy

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: $	RequiredMust be a positive number
Annual Rental Increases:	RequiredInvalid%
Monthly Renter Insurance: $	RequiredInvalid
Savings or Investment Rate:	RequiredInvalid%

Owning
Planned # of years in home:	RequiredInvalid
Yearly appreciation of the home:	RequiredInvalid%
Annual home maintenance:	RequiredInvalid%


Featured listings


Links

Live Homosassa River Cam

City of Crystal River

City of Inverness

Citrus County Government

Clerk of the Courts

Property Appraiser

School Districts

Tax Collector

Sheriff's Office

Citrus/Levy/Marion County Workforce

Florida's Official Web site

Suncoast Parkway II

United States Post Office

Visit Citrus County

Visit Florida

Citrus County Life Style Video

Citrus County Crime Mapping

Visiting Citrus County

Cycling in Citrus

Living in Citrus County

Citrus County Connection Newsletter

Citrus County Restaurants

Citrus County Profile

Current Conditions

Lecanto

72°F

A few clouds

Humidity: 94%

Pressure: 1,019.00 mb

Wind: S 4mph

Saturday Overnight

64°F

Mainly clear

Full Forecast »


MAY 2013 MAGAZINE

CLICK TO VIEW

HAVE A QUESTION?



Pamela Shemet GRI
Email Pamela

Phone:	352-794-0888
Toll-Free:	888-664-1951
Cell:	352-422-2939
Fax:	352-795-0282
Address:	730 N Suncoast Blvd
City:	Crystal River
State:	Florida 34429