Randy Jones
Service Then Service Now!


Congratulations!  You have decided to purchase a home, or are thinking about buying one.  You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family.  When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours.  Over time, your home will increase in value.

In the following reports, you'll find the information you need to make a wise buying decision.  I'll walk you through the planning process step-by-step , to help you determine which home is right for you.  You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

First let's get an idea of your price range! My 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.

Please contact me if you have any questions!

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:  %

Our Listings

22 photos
1201Pinehurst Drive
228 Meadowmont $739,900 3,363 sq. ft. 2 Story Residential
Sale Pending
25 photos
337 Oxfordshire Lane
103/A Southpoint Manor SALE PENDING
4,591 sq. ft. 3 Story Residential
23 photos
3509 Westover Road
105B Hope Valley $525,000 3,181 sq. ft. 2 1/2 Story Residential
10 photos
1205 Old Lystra Road
Chapel Hill N/A $399,900 2,200 sq. ft. 2 Story Residential
Sale Pending
16 photos
4218 Peachway Drive
114 Garrett Farms SALE PENDING
2,800 sq. ft. 2 Story Residential
Sale Pending
11 photos
3811 Somerset Drive
Hope Valley West SALE PENDING
1,829 sq. ft. Single Story Residential
Sale Pending
9 photos
1012 Chancellors Ridge
Chancellors Ridge SALE PENDING
1,840 sq. ft. 2 Story Residential
25 photos
9244 Wooden Road
1809795 Lennox at Brier Creek $255,000 2,162 sq. ft. Townhouse Residential
9 photos
1431 Arborgate Circle
Providence Glen $189,900 1,184 sq. ft. Single Story Condominium
14 photos
710 Cross Timbers Drive
106 Woodcroft $179,900 1,500 sq. ft. 2 Story Residential
Sale Pending
12 photos
407 Inter Way
Chancellors Ridge SALE PENDING
1,652 sq. ft. 2 Story Residential
13 photos
32 Citation Drive
Reveres Run $156,900 1,500 sq. ft. 2 Story Residential
Sale Pending
12 photos
108 Weathersfield Drive
106C Woodcroft SALE PENDING
1,184 sq. ft. 2 Story Residential