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The relationship between a home-buyer or -seller and their real estate agent

is based on trust, shared goals, and understanding.

Every effort is based on the principal that the best resource for business is a satisfied clientele, that repeat customers will confidently refer friends, family and business associates. To achieve this, there's a commitment and dedication to customer service through sound planning, professional ethics, education, investment in tools and technology, and a strong company support system in All Arizona River Realty.


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Just a few notes...

How much should an offer be to seller(s)?


When buying a home, the home buyer(s) are the one(s) who can determine how much to offer a seller(s).  


A Realtor’s advice and thoughts are most often appreciated and helpful in making an informed offer, but ultimately the only person who can determine how much you should offer is the buyer(s).


What is an earnest money deposit?


An earnest money deposit is most often referred to as a good faith deposit that is held in an escrow account.


This deposit indicates to a seller that a buyer is serious about purchasing their home.  The amount that is deposited is subtracted from the final figure that a buyer pays at closing. In can be said that the larger the deposit, the stronger a purchase offer may appear to a seller.


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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