Cheryl Cusack Florida Real Estate
My Aim Is To Please You in Your Real Estate Needs
Cheryl Cusack

Welcome to Charles Rutenberg Realty


 

Welcome to Charles Rutenberg Realty your source for Hillsborough, Pinellas and Manatee County real estate.

Today's market is like none before it.  The number of bank -owned and Short Sale properties offer some of the lowest prices realized in many years.  Waterfront properties are more affordable than ever and falling Real Estate prices in Florida enable the Buyer the best possible purchase.  On the other hand, if you are like so many and find yourself in a home that is just not worth what you paid for it and cannot meet your monthly obligations, then it just may be time to sell and move on.  In this  real estate market, timing is everything and the best homes are selling quickly.  HURRY while the supplies are still there to select from.  Many good homes are sold before they are ever advertised. Beat other homebuyers to the hottest new homes for sale in Pinellas, Manatee, Hillsborough County with my New Listings Notification

 If you own real estate that you're thinking of selling, I would be happy to provide you with a FREE Home Evaluation.

 

Whether you are buying or selling your first home or seeking that dream luxury home on the water, I can help.  I want to earn your business and while doing so make your experience a very enjoyable, easy, fun venture. I cordially invite you to contact me as I would be greatful and happy to assist you with this important decision.

In addition, if you have any general questions about buying or selling real estate in Florida, please contact me as I am more than willing to help.

Please feel free to browse my website for listings, reports and important local real estate information.

Sincerely,

Cheryl Cusack
Charles Rutenberg Realty

 404-386-2724  404-386-2724 Cell

727-489-9493  Fax

 

Advanced Home Search


Never Miss The Perfect Home Again!

Here's your chance to be notified of all new listings that meet your criteria, absolutely FREE! Please complete and submit the form below.

Not only will you be notified by email of all new listings that match your search criteria within our system, but your home search will also be compared against other participating agents' listings within your desired area(s). All new listings added to system that match your criteria will be emailed to you.

Note: Our home search form lets you create and save multiple Home Search profiles. You may update these profiles or cancel at anytime.


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Calculator


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:   %  


Weather



Request Home Evaluation




Please complete and submit the following Online Home Evaluation form. The more information given, the more accurate the evaluation. All information you provide is secure and will be kept strictly confidential.

To provide a more detailed Comparative Market Analysis, we would be more than happy to also assess your listing in person.
   
First Name: 
Last Name: 
Email: 
Phone: 
Address: 
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Year Built: 
Size: 
Bedrooms:     Bathrooms: 
Has Suite: 
Garage: 
  Type:     
Basement Type: 
Development:
Notes: 
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For example: age of carpet & lino, type of kitchen cabinets, property backs park. List major renovations in recent years, etc.
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