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.
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.
Frequently Asked Questions & Local Intelligence
Q: How do CDD fees and HOA dues affect monthly costs?
A: Community Development District (CDD) bonds finance infrastructure (roads, water parks) over 30 years and typically range from $1,800 to $2,800/yr. HOA fees cover common area maintenance. Evaluating whether CDD debt is expiring gives buyers significant leverage.
Q: What builder flex incentives are available for new construction?
A: Many builders offer incentive packages — often as rate buydowns or closing-cost credits through a preferred lender — and the amounts change month to month and community to community. Always get the current incentive sheet in writing and compare it against the total price, not in isolation. Bringing an independent buyer agent to your first visit protects your pricing rights. Homes zoned for highly rated schools often carry a price premium over otherwise comparable homes zoned elsewhere — the size of that premium shifts with the market, so compare recent sales on both sides of the boundary.
Q: What is the difference between an instant cash offer and listing on MLS?
A: A cash offer trades speed and certainty — an as-is close in days, no showings — against the open market, which usually nets more but takes longer and depends on condition, pricing and timing. Run both numbers side by side before deciding.