Sobre Nosotros


 

E. F. & ASSOCIATES REAL ESTATE, P. S. C. es una
corporación profesional de bienes raíces registrada y
certificada por el Departamento de Estado de Puerto
Rico. Lleva establecida más de 22 años en el negocio
de compra, venta y alquileres de propiedades
residenciales, comerciales, industriales y reposeidas
en Puerto Rico. 

E. F. & ASSOCIATES REAL ESTATE, P. S. C. es una
corporación que cuenta con un grupo profesionales
corredores y vendedores debidamente licenciados y
certificados, además de utilizar los servicios de otros
profesionales para proyectos especiales.
 
E. F. & ASSOCIATES REAL ESTATE, P. S. C. cuenta
con un equipo de asesores profesionales en el área
legal y contributiva.
 
Su presidente, el Sr. Edwin Francisco Rivera, es corredor
de bienes raíces certificado, certificación de analista
de préstamos, posee licencia de “broker” en el estado
de Florida, es inspector de vivienda certificado,
especialista residencial certificado, y cuenta con
bachillerato en relaciones públicas y bachillerato
en humanidades.
 
Nuestras oficinas están ubicadas en Santa Rosa
Ave. Aguas Buenas #1629, 00959 Bayamon,
Puerto Rico.

 


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.

 

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:  %