Lachlan G.(locky) Cummine,e-PRO®, REALTOR, CERC "Without Equal!"
 
Lachlan G.(locky)  Cummine

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"Without Equal!"


 


There are aspects of real estate sales that seem pretty simple. There are many elements of a smooth transaction, however, that can be and are complicated and daunting. Because I live here and will retire here, you can be sure I will be around for many years to come. Not just a "flash in the pan". Now with my newly completed "e-PRO®" certification, I can offer you unparalleled service to market your property! Call me now to get started with real estate service that is,

"Without Equal".

780-872-2270 or email  locky.cummine@bhgress.ca

Skype - locky.cummine

 

 

                                                              

I can help you with every aspect of buying or selling your home because I’m experienced, because I’m professional . . .and because I care and

I live here. 

I was born and raised in the community of Lloydminster and have been an active member of the community in many aspects over the last 50 plus years. As a member of the community and a Full Time Professional, e-PRO® REALTOR®, with 17 years of experience  in all aspects of real estate. I welcome the opportunity to make your next real estate transaction as stress-free as possible.

Please feel free to contact me at your convenience, either at the office, 780.875.5581, or on my cell phone at 780.872.2270 or via e-mail, locky.cummine@bhgress.ca

Respectfully, Your Humble Servant, Lachlan G. (locky) Cummine, REALTOR®, CERC, 2B1ASK1

 

                        


 


How do I know how much I can afford?


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
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:   %  


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Whether you are planning to buy your first home or sell your existing home, contact us today! 

We'd love to hear from you!

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Lachlan G.(locky)  Cummine
 
Lachlan G.(locky) Cummine
Email Lachlan G.(locky)
 
Phone: 780-875-5581
Home: 780-875.3672
Cell: 780-872-2270
Fax: 780-875-5584
Address: 3514-50th Avenue S. Unit A
City: Lloydminster
Province: Alberta T9V 1H5
Country: Canada
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