St Marys-Kingsland Ga. Homes for sale/ Real Estate Home of the WOWza Military Appreciation Program
 
Jeff (Broker) & Tara McClintock Owners/Retired CPO (USN)

Homes for Sale-Rent in St. Marys Ga.,Kingsland Ga. Kings Bay Real Estate



The only Lenders Page you will need


The selection of a good Lender is the most important step in the whole process. Below we have taken the liberty of suggesting a few names to help you. We only recommend those lenders that have a track record of treating our Clients fairly and honestly.

Before you see the first house, have a Good Faith Estimate with at least 3 Lenders and you will want to be Pre-Approved before you start a serious home search. This ensures you are searching in the correct price range for your budget.  Give us a call if you have questions.

912-882-5194


3 great lenders


 

We don't give our recommendations for a Lender out lightly.
The ones below are great at what they do and they treat our clients very well.
Tell them WOWza sent you.

Marisela "Sammi" Sammis




 VA/FHA/Conventional Loan Specialist

Local Lender excellent at credit repair 
Cell 912-674-1281
140 Lakes Blvd, suite 220,221
Kingsland, Ga. 31548
____________________________________________________________

James Cooke

VA/FHA Loan Specialist
Has a VA rep in the building
Mortgage Lenders of America
jcooke@mloausa.com
Direct: 913-387-5843
Toll Free: 888-852-2212 X 5843
Fax: 913-387-3743
Mortgage Lenders of America

8400 110th St. Suite 500
Overland Park, KS 66210 
______________________________________________________________

  

Kevin Van Horn
 
VA/USDA/Conventional Loan Specialist
*USDA is 100% financing for homes that are rural
Local lender
Direct: 912-729-5626
Cell 912-674-0365
Coastal Mortgage company
24 Andrews way
Kingsland, Ga. 31548
 

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
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


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:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  

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