A Real Estate Service for First Time Home Buyers Love Your First Home.com
Dennis Paradis

 
Mortgage Eliminator
Pay off your mortgage in 10 years
not 25 years and save
thousands of $$$$
 
Hint: Use the weekly accelerated
payment plan and add 10% every
year to your payments. The tool
will show you the savings.
 
See Home Buyer Reports
for an example.

Latest Mortgage Rates


Latest

Mortgage Rates 

 

Try my convenient and free 


Provincial Land Transfer Tax Calculator


Good News - As of December 13th, 2007: First Timer rebates apply to Resales (not just New) homes for Provincial Land Transfer Tax. That's up to $2,000 more for the furniture or downpayment!  


 

 Stop Unfair Tax
Toronto's New Home Tax
Only applies in the City of Toronto (so far).
First Timer instant rebates on NEW and Resales
Up to $3,725 for homes up to $400k. There is no instant rebate if purchase is above $400K - you get the rebate later in 2008. We would make sure the purchase price was under $400k if it was close by offering other seller incentives (earlier closing, bigger deposit). Later in 2008, there will be an instant rebate for the $3,725 on purchases over $400k as well (target is Fall/08).
 

Here's a Lucky Break - A Gift!


Cash in on the $12,000+ from your Federal Government's 

"Home Buyers Plan"

Available for You and Yours

Get your share of the Secret $$$$

(Only for First Time Home Buyers )

As a First-Time Home Buyer you and your "other half" or business partner - marriage is not a factor - may qualify for a huge $$$ GIFT from our government. How often does this happen?

You may only qualify once in a lifetime - so don't miss out. We will show you how and how much in our simplified account of this program know as the "Home Buyer Plan" (HBP).

In some cases, you may need to be working this plan at least 60 days before your closing day - the day you get title/ownership, plus the the keys and also, usually the day you move in to your new home. So, you may need to be thinking about this now!

 

Go to

First Time Home Buyers Reports 

(part of this website - see menu above)

to download the report:

Get Your Share of the Secret $$$

Link to Official Government Plan

(very confusing details as usual - our report is easier to understand)

 


How Much Can You Afford?


 
Our calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs.  To email yourself a copy of the results, click the Receive this Detailed Analysis link.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $
Annual Insurance:  $
0.43%of Cost
Annual Property Tax:  $
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
        
Optional
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:    
 





Rent vs Buy ING Calculator


ING DIRECT - save your money

Instantly see how your current rent
translates into a purchase value for
your first home.

ING Calculator


Check Your Credit Rating & Score


 
 

See your credit report - free online here

Free Credit Report

 

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