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.
Intrafamily Property Transfers
Quitclaim, lady bird deed or trust — the instrument you pick sets the doc stamps, the gift-tax paperwork and the basis your family inherits. Class notes here.
The Lady Bird Deed
The enhanced life estate deed: full control for life, no probate at death, stepped-up basis preserved. What it does and where it fits.
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.
Flood Zone & Wetlands Map
Run any address against the live FEMA flood layer and the USFWS wetlands map — before the lender's flood determination does it for you.
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.
Straight answers on the three questions buyers ask Keith most: CDD and HOA costs, builder incentives on new construction.