Contacts


John J.  Dean Jr.
 
John J. Dean Jr.
Email John J.
 
Phone: 617-844-2764
TollFree: 800-255-7545 x 2764
Cell: 203-305-0445
Fax: 800-955-1813
Address: 171 Huron Avenue
City: Cambridge
02138

Search For Property Like An Agent!



How Do You Set Up Your Real Estate Team For Success ?

Select Your Realtor

A successful purchase starts with the right Realtor.  Do not settle for anything less than a Realtor as there is a difference between a real estate agent and a Realtor.   In fact, once you’ve selected the best agent to represent you, it is likely that he or she can recommend other professionals to join your team, taking more of the responsibility off of your shoulders.  Remember in the state of Massachusettes the benefits of Buyers Agency are enforced and enjoyed by a contractual agreement.

Secure A Solid Lender & Mortgage

A bank is not just a bank. Having the right backer can be extremely important – it is your money we’re talking about after all! Make sure that your lender and financial representative is someone with whom you feel comfortable, and be wary of any lender who promises you more than you think you can reasonably afford.

Find A Real Estate Lawyer

Your home purchase is far too important a transaction to skimp on legal representation at the risk of leaving yourself open to costly future issues. Find a lawyer who is willing to take the time to answer your questions and who specializes in real estate law.  This could be the most important investment please do not trust it to anyone that does not focus their practice on real estate.

Hire A Home Inspector

No home inspection is 100% guaranteed, but a few hundred dollars to catch a major problem now is certainly better than many thousands to correct that ‘surprise’ down the road. Ask your agent for recomendations.  One of the most important steps during the inspection process is to address any concerns you have about the property with the home inspector.  Any home inspector worth their salt will pay special attention to these areas and try to give you the best possible information to put your mind at ease.  


Calculate Your Mortgage


Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.  This is a good guide but in all honesty you should always consult with a mortgage specialist.  If you need help finding one contact me.

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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