Mortgage Calculator
Estimate your monthly principal, interest, taxes, insurance, and PMI. Florida tax and insurance assumptions baked in so the number reflects what you'll actually pay each month.
Free Calculators & Florida Guides
Run the numbers. Know Florida. Then decide.
Most of the questions buyers ask Keith — what will my payment be, should I keep renting, how does homestead work — have answers you can check in a few minutes. Here are the calculators and plain-English guides Keith sends most.
30 years experienceLicense BK3328013ABR · MRP · Short-sale instructor
Calculators
Run the numbers in your browser.
Rent vs. Buy Calculator
Should you keep renting, or buy now? Compare 5-year and 10-year financial outcomes for renting vs. buying in Northeast Florida, factoring appreciation, maintenance, and opportunity cost.
Florida-Specific Guides
Things every Florida buyer needs to know.
Florida Homestead Exemption
How to file, deadlines, the $50,000 exemption, the Save Our Homes 3% cap, and what it actually saves you each year. Updated for the current tax year.
Florida Flood Zones Explained
X, AE, VE — what the FEMA zones mean, when flood insurance is required, and how to check the zone before you make an offer on any Florida home.
Hometown Heroes Florida
Up to $35,000 in down-payment and closing-cost help for Florida teachers, nurses, first responders, military, and other eligible workers. Who qualifies and how to apply.
Work With Keith
Questions a calculator can't answer? Call Keith.
Nearly 30 years of straight answers. No pressure, no jargon. Call or text and Keith will walk you through it.