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DAN EDWARD PHILLIPS - REALTOR AND BROKER

DAN EDWARD PHILLIPS REALTOR & BROKER/OWNER, HUMBOLDT and DEL NORTE

    TO SEARCH THE
HUMBOLDT COUNTY
           MLS
   "CLICK BELOW"

WWW.955MLS.Com

    The link will take
   you there without
      registration or
    signing a "Guest
      Book" and no
   Pop Ups!    ENJOY!

    And call or email
with any questions!

Dan Edward Phillips
Realtor and Broker

Direct line
707-407-5150

Email me
DanPhillips@95531.Net

Real Estate Signs
           do
Attract Attention!

High visibility Real
Estate signs attract
more interest and
attract more buyers!
Make sure your
property is noticed!
What does the sign
on your property
    look like?

TO SEARCH THE
HUMBOLDT COUNTY
          MLS
"CLICK BELOW"

WWW.955MLS.Com

The link will take
you there without
   registration or
signing a "Guest
   Book" and no
Pop Ups!    ENJOY!

And call or email
with any questions!


Dan Edward Phillips
  Realtor and Broker

        Direct Line
      707-407-5150

          Email Dan
DanPhillips@95531.Net

   The leader in Real
Estate virtual tours!

"Click On" the link below
   for samples of virtual
                tours!
http://www.realtourvision.
com/tourdemos.php

A virtual tour is easy to
add to your MLS listing
and to Realtor.Com and
other syndicated web
sites. Virtual tours may
be shot inside as well as
outside to display your
home in the best light!

There is no cost to the
seller for a virtual tour
and most homes
accomidate the use of
one in it's promotion.

Call me at 707-407-5150
to review your home to
see if it will accomidate
an RTV virtual tour in
the marketing of your
home.

   TO SEARCH THE
     HUMBOLDT COUNTY
               MLS
   "CLICK BELOW"

WWW.955MLS.Com

   The link will take
   you there without
     registration or
   signing a "Guest
     Book" and no
Pop Ups!    ENJOY!

    And call or email
with any questions!

Dan Edward Phillips
Realtor and Broker
      Licensed in
      California
           and
       Colorado
      Direct Line
     707-407-5150

       Email Dan
DanPhillips@95531.Net

SYNDICATION?

Real Estate listings are
normally placed on the
MLS and Realtor.Com.

Syndication is the
linking of listings to
additional websites that
promote Real Estate
listings. There are many
out there! It is all right
to ask an agent where
your listing will be
syndicated to.

The more reputable web
sites your listing is on,
the better chance there
is of attracting a
qualified buyer! Buyers
DO search the web!

In my pocket is a l
aminated card with all
the web sites that I
syndicate to. When
asked, the card is
provided for review!
And it is all right
to go check the sites
to see if the information
is accurate!

Real Estate Signs?

Real Estate Sign's
attract Buyers! And
Good Real Estate
Sign's attract More
and Better Qualified
Buyers!

Sign's do "make a
difference"! For
buyers looking FOR
your home, they
identify the location of
your home. They also
attract potential buyers
to your home!

What kind of sign is on
your property, is it
easy to identify?
Buyer's do "drive thru"
neighborhoods they
want to live in!

   TO SEARCH THE
HUMBOLDT COUNTY
               MLS
   "CLICK BELOW"

WWW.955MLS.Com

   The link will take
   you there without
     registration or
   signing a "Guest
     Book" and no
Pop Ups!    ENJOY!

And call or email
with any questions!

Dan Edward Phillips
Realtor and Broker

       Direct line
     707-407-5150

       Email Dan
DanPhillips@95531.Net

   TO SEARCH THE
      HUMBOLDT COUNTY
               MLS
   "CLICK BELOW"

WWW.955MLS.Com

   The link will take
   you there without
     registration or
   signing a "Guest
     Book" and no
Pop Ups!    ENJOY!

    And call or email
with any questions!

Dan Edward Phillips
  Realtor and Broker

     Direct Line
     707-407-5150

Email Dan
DanPhillips@95531.Net

SEARCH THE MLS FOR NORTHERN CALIFORNIA REAL ESTATE FROM SHELTER COVE TO SMITH RIVER

How much can we afford?

Hi and Welcome!

The calculators will help you determine loan amounts,
mortgage qualifications, affordability and if it is the
time to buy or rent.

Complete the fields below and click Calculate Now.
To view the results of each calculation, click on the
various tabs. To email yourself a copy of the results,
click the Receive this Detailed Analysis link.

Please remember, the "best" home for you will be the
one that meets your needs and has the lowest cost.
Just because you qualify for a certain price range
does not mean you have to purchase in that range.
Be prepared to go shopping for the best "deal". Be
patient when shopping for a home, I have had many
clients who were heartbroken when they were not
successful in their purchase attempt, but were delighted
when a better home at a lower price came on the market
later that they were successful in purchasing.

In addition, when you go shopping try to "see thru" the
minor issues a home on the market has (paint, carpet,
other items that are easy to replace and repair). The
bottom line is to keep the total monthly recurring costs
(principle, interest, insurance and taxes) as low as
possible.

You may have some (or many) questions about the
following calculations. Do not hesitate to call me at
707-407-5150 or email me at DanPhillips@95531.Net
with those questions.

Sincerely,

Dan Edward Phillips, Realtor and Broker/Owner

California Real Estate Broker Licensee 01326283
Colorado Real Estate Broker Licensee 40045623

To Search the Humboldt MLS, go to:

WWW.955MLS.Com

Required

Required Must be a number between 1 and 50
Term In Years:
Required Must be a number between 1 and 100
Interest Rate:	%
Required
Cost of Home:	$
Required Cannot be more than Cost of Home
Down Payment:	$
Required
Annual Insurance:	$
Estimate Insurance to 0.43%of Cost
Required
Annual Property Tax:	$
Estimate Tax to 1.2%of Cost
Monthly Income:	$ Required
Monthly Debt:	$ Required

Optional

Gross Debt Service Ratio (GDS):
Total Debt Service Ratio (TDS):
Condos Fees:	$

Results

Receive this Detailed Analysis

Mortgage
Qualification
Affordability
Rent vs Buy

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:	$ RequiredMust be a positive number	No. of Years you plan on keeping the home:	RequiredInvalid
Annual Rental Increases:	% RequiredInvalid	Yearly Appreciation on the Home:	% RequiredInvalid
Monthly Renter Insurance:	$ RequiredInvalid	Annual Home Maintenance:	% RequiredInvalid
Savings or Investment Rate:	% RequiredInvalid

TO SEARCH THE
      HUMBOLDT COUNTY
                 MLS
   "CLICK BELOW"

WWW.955MLS.Com

         The link will take
    you there without
       registration or
     signing a "Guest
       Book" and no
   "Pop Ups"!   ENJOY!

   And call or email
with any questions!

   Dan Edward Phillips
    Realtor and Broker

          Direct Line
        707-407-5150

Email
DanPhillips@95531.Net

I can show you any
home listed on the
Multiple Listing
Service! Call or email
me for a complete list
of all available
properties that may
appeal to you!

TO SEARCH THE
      HUMBOLDT COUNTY
                 MLS
   "CLICK BELOW"

WWW.955MLS.Com

     The link will take
    you there without
       registration or
     signing a "Guest
       Book" and no
   "Pop Ups"!   ENJOY!

   And call or email
with any questions!

   Dan Edward Phillips
    Realtor and Broker

          Direct Line
        707-407-5150

               Email
DanPhillips@95531.Net

I can show you any
home listed on the
Multiple Listing
Service! Call or email
me for a complete list
of all available
properties that may
appeal to you!

   TO SEARCH THE
      HUMBOLDT COUNTY
               MLS
     "CLICK BELOW"

WWW.955MLS.Com

   The link will take
   you there without
     registration or
   signing a "Guest
     Book" and no
Pop Ups!    ENJOY!

    And call or email
with any questions!

Dan Edward Phillips

Realtor and Broker

        California
             and
        Colorado

Direct Line
707-407-5150

Email Dan
DanPhillips@95531.Net

Real Estate Signs?

Real Estate Sign's
attract Buyers! And
Good Real Estate
Sign's attract More
and Better Qualified
Buyers!

Sign's do "make a
difference"! For
buyers looking FOR
your home, they
identify the location of
your home. They also
attract potential buyers
to your home!

What kind of sign is on
your property, is it
easy to identify?
Buyer's do "drive thru"
neighborhoods they
want to live in!

   TO SEARCH THE
     HUMBOLDT COUNTY
               MLS
     "CLICK BELOW"

WWW.955MLS.Com

   The link will take
   you there without
     registration or
   signing a "Guest
     Book" and no
Pop Ups!    ENJOY!

    And call or email
with any questions!

Dan Edward Phillips
  Realtor and Broker
    In California
           and
              Colorado

        Direct Line
      707-407-5150

Email Dan
DanPhillips@95531.Net

   The leader in Real
Estate virtual tours!

"Click On" the link below
   for samples of virtual
                tours!
http://www.realtourvision.
com/tourdemos.php

Call me at 707-407-5150
to review your home to
see if it will accomidate
an RTV virtual tour in
the marketing of your
home.

   TO SEARCH THE
      HUMBOLDT COUNTY
               MLS
   "CLICK BELOW"

WWW.955MLS.Com

       The link will take
   you there without
     registration or
   signing a "Guest
     Book" and no
Pop Ups!    ENJOY!

    And call or email
with any questions!

Dan Edward Phillips
Realtor and Broker

Direct Line
707-407-5150

        Email Dan
DanPhillips@95531.Net

SYNDICATION?

Real Estate listings are
normally placed on the
MLS and Realtor.Com.

Syndication is the
linkingof listings to
additional websites that
also promote Real Estate
listings. There aremany
out there! It is all right
to ask an agent where
your listing will be
syndicated to.

The more reputable web
sites your listing is on,
the better chance there
is of attracting a qualified
buyer! Buyers DO
search the web!

Real Estate Marketing & Listing Syndication By Point2
Search Homes for Sale With Point2