Banking Rural Loans Humacao PR http:⁄⁄eligibility.sc.egov.usda.gov⁄eligibility⁄welcomeAction.do
CPM REALTY 10 Palmanova Plaza
Palmas del Mar
PO Box 9086
Humacao~Palmas del Mar, PR 00792
Phone: 787-850-4401 Mobile: 787-637-7945 Fax: 787-852-6799 Email CPM
HELPING YOU MAKE THE RIGHT MOVE. SALES,RENTAL,RELOCATION,MANAGEMENT
CPM, Real Estate Puerto Rico

Calculators


What can I afford?: Our mortgage calculator will help you calculate your next move.

 


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 Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
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:
 
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:  %

Listings By Map


Please use the hand tool to navigate the map by clicking and dragging, the grid on the left to adjust your level of zoom, and the buttons in the top right to toggle between map view, satellite imagery view, and hybrid view.

Click on any listing to view photos and listing details.

Filter Results

Price (USD)
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To
Beds
Baths
Status
Types

Listing Details

Click a house on the map to view the listing summary

Our Home Buying Services!


CPM & Realtors, the experience and the service you deserve.

Because there is so much to choose from, whether you are buying a first home, second home or vacation home, Buying any home is an investment.  

When you decide to purchase your home, make sure you hire someone whom you can trust and someone who wants to earn your business, hire a REALTOR.  
 
Buying your home is one of the most important purchases you will make, so make sure you have the right agent who can provide you with a complete market analysis.  Choose a broker who understands your needs and wants, someone with experience. 
 

Your Broker should  first know: What is the budget you will be working with?  What is the purpose of the investment? How much time will you spend in your new home?  Is this a first home, second home, or investment property? Can you rent with an option to buy?  Once you have decided let your agent know, your agent is here to help you make the right move...

Your Realtor, will help you by positioning you in the right direction.  Remember, when purchasing work with a Realtor; someone who will help you choose the right location at the right price.  Someone, who not only will work for the Buyer but for the Seller as well. Bringing a smooth business transaction for all involved.  Know the approximate appraised price for the neighborhood you choose.  This will help you pay market value.  In a Buyer's market there is a lot more competition and Buyers have plenty of choices and room to negotiate, forcing you to be very competitive when setting your price.  Trust your Realtor to help you present and work with your offer.  To review your contract, to help with your negotiation, to present different bankers to choose from.  Your Realtor is here to service you.

Here are some of the steps I will take to find your perfect home:

Determine Your Wants and Needs
This is the single most important step. By asking you a series of questions I will establish what you are looking for. My goal is to not waste your time by looking at properties that are not in your price range or homes that don't meet your needs. Throughout the buying process I will maintain your confidentiality and represent your best interests.

Help You Get Pre-Qualified
This step will show you how much you can afford.  This is accomplished by speaking with your financial institution and establishing what monthly payments you will be comfortable with.  We call several banks and try to obtain the best value on the market for you.

Home Shopping made fun.
We will use every available method to locate a property that matches your search parameters.  This will include properties listed with our office, offered through other real estate companies, as well as unlisted properties.  We will disclose all known facts about the property that are likely to affect your decision. When we find the home that meets your criteria, we make a the bid; negotiate, and take it to closing...  It is that simple.  Ours is a referal business so we will work with you and yours for many years to come

 

 

 

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