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* How to Buy Smart
# How to Buy Smart
Buying a home smart is different that just buying a home. We want to help you find the home that best fits your goals and desires. We also want you to be happy when you reflect on your new home. Was it made with my best interests in mind and financial situation well understood? Most often purchasing a home is a long-term commitment, and we want you to be happy with it.
So how do we accomplish this? By paying attention to you, your goals and the local and national economy.
You and your goals are the primary driver in buying smart. They provide the initial qualifications and ways in which to narrow down your search. Purchasing a new home should be an investment you are satisfied with in the long run. You should be happy with the home itself and how well it fits with your financial situation.
Working with you, we help you realize your dreams by bringing our knowledge on the national and local economy as well as local businesses, to best help you into a situation you are comfortable with. Our community involvement helps us understand the local issues that can be instrumental in driving property and home values. With this knowledge we can guide you to make the best and most competitive offer.
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BY Jon Wade
1/20/2025
Contact
Jon Wade - The Steamboat Group
32 10th Street PO Box 774018
Steamboat Springs, CO 80487
O: (970) 879-0879
M: (970) 879-0879
E: Email Us
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## We're Here to Help
**Feel free to reach out any time:**
Jon Wade - The Steamboat Group32 10th Street PO Box 774018Steamboat Springs, CO 80487
### Connect
## Have a Question or Want a Free Market Report?
Questions? We're Here to Help
Recently From Our BlogWhat Is IRR in Real Estate, and Why Is It Important?By Jon Wade 1/20/2025What is HO6 Insurance? Costs & What Condo Insurance CoversBy Jon Wade 1/16/2025
* Mortgage Calculator
# Mortgage Calculator
**This calculator will help you to determine how much house you can afford and/or qualify for.**
Complete or change the entry fields in the "Input" column of all three sections. The calculator will automatically recalculate anytime you press the Tab key after making a change to an input field.
#### Purchase Information
Purchase Price:
Down Payment Percent:
%
Down Payment Amount:
$
Loan Amount:
Annual Interest Rate:
Length of the Mortgage in Years:
#### Payment Information
Monthly Principal & Interest Payment:
Annual Property Taxes:
Monthly Property Taxes:
Annual Insurance:
Monthly Insurance:
Annual PMI:
Monthly PMI:
Monthly Association Fees:
Monthly Payment (PITI):
Tax Deductable Portion of Payment:
#### Qualifying Information
Gross Income:
Annually
Monthly
Monthly Debt Payments:
Qualify For Loan?
Maximum Qualifying Loan Amount:
Current Payment to Income Ratio (max approx. 40%):
Current Debt to Income Ratio (max approx. 50%):
Submit
Reset
#### Create Amortization Schedule
Longer term loans may take a few moments for the report to be generated.
Create
* Mortgage Pre-Approval
# Mortgage Pre-Approval
One of the first steps in the home buying process is to consult with a mortgage lender about your financing options.
When you know what you can afford, you can focus your home search and make your move more quickly when you find the property you want.
Fill out the form below to begin the process.
First Name:\*
Last Name:\*
Email Address:\*
Phone:\*
Address:
City:
State:
AL
AK
AZ
AR
CA
CO
CT
DE
DC
FL
GA
HI
ID
IL
IN
IA
KS
KY
LA
ME
MD
MA
MI
MN
MS
MO
MT
NE
NV
NH
NJ
NM
NY
NC
ND
OH
OK
OR
PA
RI
SC
SD
TN
TX
UT
VT
VA
WA
WV
WI
WY
Zip:
Your Credit and Income
How is Your Credit Score?
Select One
Very Good: 750-850
Good: 680-750
OK: 600-680
Working on it: under 600
Don't Know my Score
Approximate Annual Household Income?
Less than $20,000/year
$20,000 - $30,000/year
$30,000 - $40,000/year
$40,000 - $50,000/year
$50,000 - $75,000/year
$75,000 - $100,000/year
More than $100,000/year
Price Range:
Less than $100,000
$100,000 - $150,000
$150,000 - $200,000
$200,000 - $250,000
$250,000 - $300,000
$300,000 - $400,000
$400,000 - $500,000
$500,000 - $750,000
$750,000 - $1,000,000
$1,000,000 - $1,250,000
$1,250,000 - $1,500,000
$1,500,000 - $1,750,000
$1,750,000 - $2,000,000
$2,000,000 - $2,500,000
$2,500,000 +
Other Details
Planning to purchase a home in:
Less than 60 days
2-3 Months
3-6 Months
6-9 Months
9-12 Months
More than 12 Months
In what general area would you like to live?
Are you working with a Real Estate Agent?
 Yes
 No
Agent Name:
Agent Company:
Comments:
By proceeding, you expressly consent to receive texts at the number you provided, including marketing, from Jon Wade - The Steamboat Group about real estate related matters, but not as a condition of purchase. Message frequency varies. You can text Help for help and Stop to cancel. You also agree to our  and to our  regarding the information relating to you. Message and data rates may apply.
Additionally, **you expressly** consent to receiving calls at the number you provided, including marketing by auto-dialer, pre-recorded or artificial voice, and email, from Jon Wade - The Steamboat Group about real estate related matters, but not as a condition of purchase. This consent applies even if you are on a corporate, state or national Do Not Call list. Messages may be processed by an automated system.This site is protected by reCAPTCHA and the Google  and  apply.
* Personalized Home Search
# Let Us Help You Find Your Dream Home
Please fill out the form below so we know what you're looking for and we'll monitor new listings as they come on the market and alert you when we see properties that match your specific criteria.
I am planning to move:
Not Sure
Right Away
Within 3 months
Within 6 months
Within 9 months
Within the next year
Property Type:
Single Family
Multi Family
Town Home
Condominium
Land
Commercial
Investment
Residential
Patio Home
Do You Require Lender Information?
Describe the Home You're Looking For
Bedrooms:
Any
1
2
3
4
5
6
Bathrooms:
Square feet:
500
1000
1500
2000
2500
3000
3500
4000
4500
5000
5500
6000
6500
7000
Acreage:
0.5
10
20
Basement:
No Basement
Finished
Partially Finished
Unfinished
Garage space:
Year Built:
Other features I think are important (i.e. Main Floor Master, home theater, etc.):
Features I think are important in the street, neighborhood and community: