Michael Pisani
Your Source for Selling and Buying Homes
Selling Homes in Nutley, Belleville, Bloomfield, Clifton
Michael Pisani

Nutley Realtor Michael Pisani


973-420-9687 (Direct)
973-235-1312 (Office)
973-235-0718 (Fax)

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Michael Pisani Award Winning Nutley Real Estate Expert


Welcome to Coldwell Banker Franklin Realty, your source for Nutley, Belleville, Bloomfield, Clifton NJ real estate. I am a local Award Winning Real Estate Expert, with extensive knowledge of the homes and townhomes in the area.  If you own real estate that you're thinking of selling, I would be happy to provide you with a FREE Home Evaluation.

In today's competitive real estate market, timing is everything. Many good homes are sold before they are ever advertised. Beat other homebuyers to the hottest new Homes and Cambridge Heights Townhomes for sale in Nutley, Belleville, Bloomfield, Clifton NJ with my New Listings Notification

Whether you are buying or selling a home, hire someone like me, who wants to earn your business. I invite you to contact me as I'd be happy to assist you with this important transaction.

In addition, if you have any general questions about buying or selling real estate in New Jersey, please contact me as I'm more than willing to help. 

Please browse my website for listings, reports and important local real estate information.

Sincerely,
Michael Pisani
Coldwell Banker Franklin Realty


Calculators


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
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:   %  


Michael Pisani Nutley Real Estate Agent


Coldwell Banker Franklin Realty
527 Franklin Ave., Nutley NJ
Office: 973-235-1312
Cell: 973-420-9687
Email:
michael.pisani@coldwellbanker.com


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