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Buying & Selling Properties in Upstate NY!

Specializing in the Salmon River NY Area and Surrounding Areas


Hello and thank you for visiting our site! We want you to see why Upstate NY is a wonderful place to live!  Salmon River Realty prides ourselves on providing unparalleled service and look forward to developing a long-term relationship with you. It is our goal, as your full service real estate agents specializing in the Oswego, Jefferson & Lewis Counties, to provide you with superior service at all times. Our local expertise and extensive real estate experience will benefit you whether you are serious about buying or selling a home at this time, or are a returning client checking out the many resources we have added to our Website.

 

Buying a home? We look forward to helping you select the home of your dreams by taking time to listen to your needs and desires.

 

Selling a home? Our real estate expertise and many effective marketing programs will give you the exposure and edge you need to sell your home quickly at the highest possible price.

 

Returning Client? We appreciate the opportunity to continue to serve you and hope you take advantage of the valuable resources provided by our Website. Come back to visit often!

 

Please feel free to contact us if you would like to discuss how we can best assist you with your real estate needs.

 

Salmon River Realty

 


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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.

 

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Estimate Insurance to of Cost
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Estimate Tax to of Cost
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Optional Fields
   
   
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Results
Receive Detailed Analysis  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)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %