Real Estate for Sale in Findlay, Ohio - Kent Hilty


 

 

Welcome to Kent Hilty Real Estate and Homes for sale in Findlay and Hancock County, Ohio. My goal as a Realtor with Rooney & Associates Real Estate, is to provide you with the Service, Care and Skill you deserve.

Great customer service is what I believe distinguishes average agents from outstanding agents. As an Accredited Buyer Representative and Certified Negotiation Expert and Graduate Realtor Institute, I have the tools and skills to handle your real estate needs in Findlay and Hancock County, Ohio and surrounding areas. 

I am also an ePRO Certified Internet Specialist, trained in providing a superior on-line experience. My latest certifcation is as a Pricing Stratagy Advisor (PSA). Put me to work for you today!

Sincerely,

Kent Hilty, GRI, ABR, CNE, E-PRO, PSA
Rooney & Associates Real Estate
Ohio Association of Realtors Presidents Club
Award of Distinction recipient 2012, 2013, 2014, 2015, 2016, 2017, 2018
2016 Realtor of the Year, Heartland Board of Realtors

 

 

 

 


Mortgage Calculator


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:  $
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:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %