Southwestern Ohio Homes
"Your Hometown Real Estate Connection"
Stephanie Burkhardt 15 N. Brookwood Ave. Hamilton, OH 45013 Phone: (513) 863-7776 Mobile: (513) 312-1079 Fax: (513) 863-5994 Email Stephanie

Here for the community since 1996 and NOW the #1 source for Southwestern Ohio Home Listings!

As a consumer you're entitled to all available resources for your real estate needs and I'm here to help! I offer my clients the most knowledgeable information on buying or selling a home, insight on buying a foreclosure and answers to any questions you might have about how the short sale process works. I offer service you won't find with any other Realtor®. You should not only want a Realtor® to deliver the best Real Estate Service experience, you should expect it! As your Realtor I'll make sure you have... The BEST Real Estate Experience!


Buying a home... Ease the stress of setting up appointments and work with only one Realtor who knows your needs & desires. Beat other home buyers to the hottest new homes and foreclosures for sale with my New Listings Notification. In today's competitive Real Estate market, timing is everything. Many good homes and foreclosures are sold before they're ever advertised.  Call me to set all your showings on every listing and take the work out of looking for that next home!

Thinking of selling... I would be happy to provide you with the most knowledgeable and accurate pricing and marketing information available in a FREE Home Evaluation. If a Short Sale is needed I have access to most lenders online and know how to get the process done in the least amount of time possible. 


Realtors® are distinguished in today's real estate market with attention to fine detail and a higher set of moral standards. As a Realtor® since 1996, I continue to make Martha Baker Realty the place to buy and sell real estate. Hire a Realtor® that wants to earn your business and will be there when it's counts!

Click to see Martha Baker Realty's Listings or browse my featured listings and search the MLS of Greater Cincinnati by using the listing search tab above.


Mortgage Calculator


Let me help you find out what you can afford! The 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 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:  %