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3 forms found in the DOM

<form novalidate="" class="cal-form"><!--[-->
  <div class="cal-form-item"><label>Home Price</label>
    <div class="v-input input left-padding"><!--[--><span class="prefix">$</span><!--]-->
      <div class="has-value input-container"><span class="label-top"></span> <input type="text" name="total" aria-label="total" placeholder="" maxlength="300" value="500000" autocomplete="off"> <!----> <!----> <!----></div> <!---->
      <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
    </div>
  </div>
  <div class="cal-form-item"><label>Down Payment <!----></label>
    <div class="input-container">
      <div class="v-input input right-padding left-padding left-radius no-border-right" style="flex:1.8 1 0;"><!--[--><span class="prefix">$</span><!--]-->
        <div class="has-value input-container"><span class="label-top"></span> <input type="text" name="downPaymentValue" aria-label="downPaymentValue" placeholder="" maxlength="300" value="100000" autocomplete="off"> <!----> <!----> <!----></div>
        <!---->
        <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
      </div>
      <div class="v-input input right-padding right-radius" style="width:90px;"><!--[--><span name="footer" class="surfix">%</span><!--]-->
        <div class="has-value input-container"><span class="label-top"></span> <input type="number" name="downPaymentRatio" aria-label="downPaymentRatio" placeholder="" maxlength="300" value="20.000" autocomplete="off"> <!----> <!----> <!----></div>
        <!---->
        <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
      </div>
    </div>
  </div>
  <div class="cal-form-item"><label>Loan Term</label> <select class="input" type="select" name="loanTerm"><!--[-->
      <option value="10">10-Year Fixed</option>
      <option value="15">15-Year Fixed</option>
      <option value="20">20-Year Fixed</option>
      <option value="25">25-Year Fixed</option>
      <option value="30">30-Year Fixed</option>
      <option value="40">40-Year Fixed</option><!--]-->
    </select></div>
  <div class="cal-form-item"><label>Interest Rate</label>
    <div class="v-input input right-padding"><!--[--><span name="footer" class="surfix">%</span><!--]-->
      <div class="has-value input-container"><span class="label-top"></span> <input type="number" name="interestRate" aria-label="interestRate" placeholder="" maxlength="300" value="3.850" autocomplete="off"> <!----> <!----> <!----></div> <!---->
      <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
    </div>
  </div>
  <div class="cal-form-item"><label>Property Tax</label>
    <div class="input-container">
      <div class="v-input input right-padding left-padding right-year-padding left-radius no-border-right" style="flex:1.8 1 0;"><!--[--><span class="prefix">$</span> <span name="footer" class="surfix">/year</span><!--]-->
        <div class="input-container"><span class="label-top"></span> <input type="text" name="propertyTax" aria-label="propertyTax" placeholder="" maxlength="300" value="" autocomplete="off"> <!----> <!----> <!----></div> <!---->
        <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
      </div>
      <div class="v-input input right-padding right-radius" style="width:80px;"><!--[--><span name="footer" class="surfix">%</span><!--]-->
        <div class="has-value input-container"><span class="label-top"></span> <input type="number" name="propertyTaxRate" aria-label="propertyTaxRate" placeholder="" maxlength="300" value="0.000" autocomplete="off"> <!----> <!----> <!----></div>
        <!---->
        <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
      </div>
    </div>
  </div>
  <div class="cal-form-item" style="display:none;"><label>Home Insurance</label>
    <div class="v-input input left-padding right-lg-padding"><!--[--><span class="prefix">$</span> <span name="footer" class="surfix">/year</span><!--]-->
      <div class="input-container"><span class="label-top"></span> <input type="text" name="homeInsurance" aria-label="homeInsurance" placeholder="" maxlength="300" value="0" autocomplete="off"> <!----> <!----> <!----></div> <!---->
      <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
    </div>
  </div>
  <div class="cal-form-item" style="display:none;"><label>Condo/HOA Fees</label>
    <div class="v-input input left-padding right-lg-padding"><!--[--><span class="prefix">$</span> <span name="footer" class="surfix">Month</span><!--]-->
      <div class="input-container"><span class="label-top"></span> <input type="text" name="hoaFee" aria-label="hoaFee" placeholder="" maxlength="300" value="0" autocomplete="off"> <!----> <!----> <!----></div> <!---->
      <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
    </div>
  </div>
  <div class="submit-container"><span class="more">Advanced <i class="iconfont icon-arrow-down"></i></span> <button type="submit" class="submit" aria-label="Submit the form for calculation">Calculate</button></div><!--]-->
</form>

<form novalidate=""><!--[--><!--[-->
  <div class="v-input fullname input-box"><!--[--><!--[--><!--]--> <!----><!--]-->
    <div class="input-container"><span class="label-top">Full Name</span> <input type="text" name="fullname" aria-label="fullname" placeholder="Full Name" maxlength="100" autocomplete="off" value=""> <!----> <!----> <!----></div> <!---->
    <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
  </div>
  <div class="v-input email input-box"><!--[--><!--[--><!--]--> <!----><!--]-->
    <div class="input-container"><span class="label-top">Email*</span> <input type="email" name="email" aria-label="email" placeholder="Email*" maxlength="100" autocomplete="off" value=""> <!----> <!----> <!----></div>
    <div style="display:none;" class="email-suggestion"><!--[--><!--]--></div>
    <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
  </div>
  <div class="v-input phone input-box"><!--[--><!--[--><!--]--> <!----><!--]-->
    <div class="input-container"><span class="label-top">Phone</span> <input type="tel" name="phone" aria-label="phone" placeholder="Phone" value="" autocomplete="off"> <!----> <!----> <!----></div> <!---->
    <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
  </div><!--]--> <input type="submit" aria-label="Get More Info About Mortgage" value="Get More Info" class="submit"><!--]-->
</form>

<form novalidate=""><!--[--><!--[-->
  <div class="v-input fullname input-box"><!--[--><!--[--><!--]--> <!----><!--]-->
    <div class="input-container"><span class="label-top">Full Name</span> <input type="text" name="fullname" aria-label="fullname" placeholder="Full Name" maxlength="100" autocomplete="off" value=""> <!----> <!----> <!----></div> <!---->
    <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
  </div>
  <div class="v-input email input-box"><!--[--><!--[--><!--]--> <!----><!--]-->
    <div class="input-container"><span class="label-top">Email*</span> <input type="email" name="email" aria-label="email" placeholder="Email*" maxlength="100" autocomplete="off" value=""> <!----> <!----> <!----></div>
    <div style="display:none;" class="email-suggestion"><!--[--><!--]--></div>
    <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
  </div>
  <div class="v-input phone input-box"><!--[--><!--[--><!--]--> <!----><!--]-->
    <div class="input-container"><span class="label-top">Phone</span> <input type="tel" name="phone" aria-label="phone" placeholder="Phone" value="" autocomplete="off"> <!----> <!----> <!----></div> <!---->
    <p style="display:none;" class="mg-error"></p> <!--[--><!--]-->
  </div><!--]--> <input type="submit" aria-label="Get More Info About Mortgage" value="Get More Info" class="submit"><!--]-->
</form>

Text Content

   
 * Home
 * Buy
       
    1. All Listings
    2. Featured Listings
       

 * Sell
       
    1. Sell My Home
    2. Home Valuation
    3. Sold Listings
       

 * Connect
       
    1. Contact Us
       

 * Market Snapshot
 * Blogs
 * Neighborhoods
       
    1. Woodbridge at Meadow Woods
       

   
   
 * 

   
 * Register
 * Sign In
   

 * Agent Email
   dianaramirez.realty@gmail.com
 * Agent Phone
   +1(407) 419-4757





WELCOME TO FLORIDA

THE SUNSHINE STATE



BUY SELL



LISTINGS

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EXPLORE OUR FEATURED AREAS

Celebration
Winter Garden
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MORTGAGE CALCULATOR

Use our home loan calculator to estimate your total mortgage payment, including
taxes and insurance. Simply enter the price of the home, your down payment, and
details about the home loan, to calculate your mortgage payment, schedule, and
more.
Home Price
$




Down Payment
$




%




Loan Term 10-Year Fixed15-Year Fixed20-Year Fixed25-Year Fixed30-Year
Fixed40-Year Fixed
Interest Rate
%




Property Tax
$ /year




%




Home Insurance
$ /year




Condo/HOA Fees
$ Month




Advanced Calculate
Payment
Schedule
Your mortgage payments over 30 years will add up to $0.
Get more info from a local expert!
Full Name



Email*




Phone



Your mortgage payments over 30 years will add up to $0.Estimate Payment：$0
Get more info from a local expert!
Full Name



Email*




Phone



   
 * Diana Ramirez
   Agent License ID: SL3579369
   
   My name is Diana Ramirez. I am currently a Real Estate Agent in South
   Florida, and I have the ability and interest to help all local and foreign
   individuals looking to invest in, buy, or rent pre-construction or resale
   properties.
   
    
   
   I will be happy to assist in any real estate process and support you in
   building your future with the home of your dreams.
   
    
   
   Contact me and let's make it happen!
   
   +1(407) 419-4757 dianaramirez.realty@gmail.com
   https://dianarealty23.lpthomesearch.com
   
   Book Appointment
   


MY BLOGS

More Articles
   


 * HOW TO OBTAIN A MORTGAGE LOAN AS A FOREIGNER?
   
   There are multiple mortgage programs with adjustable interest rates designed
   for foreign buyers and investors in Florida. These loans can be amortized
   over 30 years and generally have a fixed rate for several years, depending on
   the program that best suits the buyer. One of the most commonly used programs
   by foreigners is the one with a fixed rate for the first 5 years of the loan,
   which then converts to an adjustable annual rate. Some of these loans can be
   paid off early by paying the principal amount without any prepayment penalty.
   Minimum conditions to qualify for a mortgage loan: In general, to qualify,
   you must provide a series of documents that vary depending on the institution
   where the loan is submitted. Banks typically require the following
   information: Verify that the client has at least two years of employment or
   more A certified letter from your accountant or lawyer regarding your source
   of income Provide at least 2 or 3 banking and credit references (they can be
   from any country) Show that the funds for the down payment and closing costs
   have been deposited in U.S. accounts. The funds for “reserves” can be
   verified in your home country’s personal accounts A copy of your passport A
   utility bill, such as electricity or water, to verify your country of
   residence Some important details: Generally, a minimum of 30% down payment is
   required, increasing based on the type of property being acquired. Most banks
   start financing foreign individuals from a purchase amount of approximately
   US$200,000. Interest rates for foreign loans range from 5.125% to 7%. In some
   cases, interest rates can go up to 10% if opting for a private loan. Besides
   the down payment, closing costs should be considered: between 5% to 8% of the
   property value. In the U.S., there is no age discrimination for granting
   mortgage loans. If you wish to make extra payments on your mortgage, it will
   not reduce your monthly payment but will shorten the length of your loan.
   What would be my monthly payment responsibilities? Most American mortgages
   are payable monthly, and your local bank can arrange to make the payment
   directly through them. Property taxes and insurance premiums are collected
   monthly by the lender and paid annually. Generally, your bank will deduct
   monthly for: Mortgage Insurance (flood, disaster, hurricanes) Third-party
   insurance (optional) Property taxes Additionally, if there is a homeowners'
   association or condominium board, you will be responsible for paying the
   monthly maintenance fee directly. *Approval is subject to the financing and
   credit policy of the financial entity.
   
   Read more


 * WHICH IS BETTER, RENTING OR BUYING?
   
   When it comes to choosing whether to rent or buy, there is no easy answer. In
   most cases, it depends on individual circumstances. Some people may find
   renting to be a more economical option, while others may prefer the stability
   of owning their own home. Both options have their pros and cons, and
   ultimately it comes down to what is best for each person. Those looking for
   long-term housing may prefer to buy, while those unsure of their future plans
   may prefer to rent. Ultimately, it is important to weigh all options before
   making a decision. Buying: Owning a home offers significant tax benefits.
   Your mortgage interest and property taxes can be used as deductions to ease
   your tax burden every April 15th, which is definitely a positive for any
   homeowner. When the economy is good and you find a great house in a great
   neighborhood, you should definitely consider buying. This way, you will own a
   valuable asset, especially if your property is in a desirable location. Make
   sure your mortgage payment is manageable. If you have a substantial down
   payment and job security, go ahead and take the decisive step toward
   homeownership, especially when interest rates are low. There is definitely a
   psychological benefit to owning a home. Having your own house is a source of
   pride for anyone. Simply put, the home is all yours. Renting: If you know
   yourself well and realize that the 20% down payment will consume all your
   savings, and the mortgage payment and property taxes will affect your mental
   stability every time you think about them, then renting may be the best
   option for you. Perhaps you are not sure that your job is guaranteed, or
   there may be a relocation in the near future for you or your partner. If your
   stay in certain cities will be temporary, it is best for you to rent until
   you are sure about putting down some roots. There is no need to rush, take
   your time.    
   
   Read more


 * DID YOU KNOW THAT THERE ARE NO STATE TAXES IN FLORIDA?
   
   Florida consistently receives top marks for its responsible fiscal policies
   and business-friendly revenue code. Florida is one of the seven U.S. states
   that does not have a state income tax. The absence of a personal income tax
   in the Sunshine State has been a key selling point for businesses relocating
   to Florida. The state's sales tax rate is also relatively low, at 6%, and
   there are several exemptions for certain items, such as food and medicine.
   Additionally, Florida is one of the most tax-friendly states for retirees.
   The state exempts all forms of retirement income from state taxes, and there
   is no estate tax or inheritance tax. For these reasons, Florida is an
   attractive option for both businesses and individuals. Unlike other states,
   Florida does not impose a state personal income tax (guaranteed by the
   constitution) or an estate tax. This makes Florida an attractive place to
   live and work for many people. There are some trade-offs, of course. But for
   many, the absence of state income and inheritance taxes more than compensates
   for these other costs. As a result, Florida is a popular destination for
   retirees and others looking to minimize their tax burden.
   
   Read more
   


Home

Buy
    
 1. All Listings
 2. Featured Listings
    

Sell
    
 1. Sell My Home
 2. Home Valuation
 3. Sold Listings
    

Connect
    
 1. Contact Us
    

Market Snapshot

Blogs

Neighborhoods
    
 1. Woodbridge at Meadow Woods
    



LPT Realty

Diana Ramirez License ID: SL3579369

+1(407) 419-4757 dianaramirez.realty@gmail.com





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