ASK PHYLLIS   HOUSES 'BUY/SELL' IS MY ONLY BUSINE$$

Charles Rutenberg Realty


About Charles Rutenberg Realty of IL, LLC

Charles Rutenberg Realty of Illinois, LLC is a firm being built upon the premise that it is the agent in the field who generates the business and, as such, it is that agent who should retain the lion's share of the earned commissions.

We believe the agent in the field is looking for a firm that will provide the infrastructure support for him or her to build their business but not one where the managing broker competes with them for the next deal or one that demands an inordinate share of the hard-earned commission dollars earned through the agent's efforts.

Our objective is to create an environment whereby the agent and the firm operate in a win-win arrangement in the real estate business. What we provide is the opportunity for agents to fully profit from the real estate business they have developed and to receive the deal support they request from a managing broker who is not busy competing with them for deals in their marketplace. 

PHYLLIS BLOODWORTH
 
PHYLLIS BLOODWORTH
Email PHYLLIS
 
Phone: 630-624-0926
Business: 630-624-0926
Cell: 630-624-0926
Address: 1733 Park St Suite 150
City: Naperville
State: Illinois 60563
Country: United States

How Much Can You Afford?


 
Our calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

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.

 
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:   %  


My goal as a Broker is to ACCOMPLISH and SUCCEED

PHYLLIS BLOODWORTH PHYLLIS BLOODWORTH 630-624-0926 Email PHYLLIS