Serving the Greater Charlottesville Area and the Shenandoah Valley since 1972
Information for First Time Home Buyers
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Real Estate III's
Virtual Magazine
November 2009
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Real Estate Loan
How Much House Can You Afford? - You supply your income information and we calculate how much you can afford.
Mortgage Calculator - See how much a home loan will cost with varying interest rates and payments on the same chart!
Mortgage Qualification Calculator - See what lenders expect your minimum annual income to be in order to afford your next home.
Prepayment Mortgage Reduction - This form allows you to see how prepaying your mortgage reduces the length of your mortgage by putting in the current values for your loan.

Financial Planning
Loan Payment Calculator - Enter the values and we will tell you the payment. The loan can be a mortgage, car loan, or any other simple interest amortization over a fixed time with fixed monthly payments.
Prepayment vs. Investment -- A Scenario - This form allows you to compare what would happen if you took one of two choices with some extra cash you have -- prepaying your mortgage each month, or investing it instead.
Savings Calculator - This doesn't deal with inflation, taxes or any of that complicated stuff. This is just a simple calculator that lets you start with an amount of money and make regular monthly deposits, and see how much it grows.
Rent vs. Own - Determine whether it is financially better to purchase a home or rent