Pacific NW Real Estate Resource

Sellers Financial Tools


Unpaid Balance
By entering the original mortgage amount, interest, term, and number of payments made, a current unpaid balance is easily determined.

High-Low Estimate
This is a rough estimate of approximately what the seller will net from the sale of their home based on two different sales prices.  Since the specifics of an individual contract are unknown at this point, it is meant to give the seller an idea of what they might be able to expect to net from the sale of their home.

Hold or Sell & Buy
This analysis can show a homeowner whether a decision to stay in the home or to sell it and buy another home will result in a larger net worth at the end of an anticipated time period.

Refinance Analysis
This calculates how many months the owner will need to remain in the home to recapture the costs of refinancing.  The decision to refinance a home is made on the feasibility of recapturing the expense involved in refinancing before the home is sold.

Seller's Net Sheet
This is an estimate of what the seller's closing costs will be based on a specific offer on the home.


2/1 Buydown
This illustrates how the home may be more marketable by offering financing concessions to the buyer rather than lowering the price.

3/2/1 Buydown
This illustrates how the home may be more marketable by offering financing concessions to the buyer rather than lowering the price.

Financing Concessions
This form is meant to show an application of seller-paid funds toward a 2-1 Buy Down and Buyer closing costs.  This could be used to increase the marketability of a listing or to construct a buyer's offer.

80/10/10 Comparison
This calculates the payments on the first and second mortgage that equal 90% and the blended rate which is compared to a 90% loan requiring PMI.  Most loans greater than 80% loan-to-value requires Private Mortgage Insurance.

Income Estimator
The Income Estimator calculates the minimum amount of income and the maximum amount of debt needed to qualify for a mortgage at a specific rate.


Investment Analysis
Investment analysis is an estimate of the possible outcomes resulting from the purchase and operation of rental real estate. While based on current Federal income tax laws, projections used for rent, expenses, appreciation and continued tax benefits for the investor and property can change during the holding period. Investing in rental real estate involves risk and investors should consider the possibilities carefully.

Fix and Flip Analysis
This analysis is used on investment property that is purchased and sold usually in a short period of time after repairs or improvements have been made. It assumes that gain will be taxed at ordinary income rates.

Discount Note
Calculates the present value of a stream of income to reach a desired yield. The purchaser of the existing note buys the right to collect the payments for the remaining term. In order to increase the yield which was determined by contract in the original mortgage, the current unpaid balance needs to be discounted.

Retirement Projection
Based on your current net worth, this tool will provide an estimate of what your annual investment contribution needs to be to achieve a desired annual income for a specified period of time after retirement.

Savings Plan
Projects the future value of savings based on a starting value and regular contributions over time at a specified interest rate.

College/ Special Event Savings
Projects the monthly or annual contributions to achieve a monetary goal at a period in time to have tuition available for a person’s college education based on a specific yield.

Direct: (360) 319-4939
Email Susan

Susan Stecher

Broker, CFP, CRS, CDPE, RFC, SRES, CHLMS, Realtor® Direct: (360) 319-4939
Phone: (888) 319-4939

Copyright © 2022 | Information deemed reliable, but not guaranteed. Privacy Policy
Real Estate Website Design by Dakno Marketing.

Photography & Information Courtesy of: Photography Magic, Lawliss Creative, Scherrer Photography, Jon Brunk Photography, Getty Images, iStock and the following Chambers of Commerce's and Visitor Bureau's from: Bellingham/Whatcom County, Birch Bay, Blaine, Bow, Everson-Nooksack, Ferndale, Mt. Baker Foothills, Point Roberts, Sumas, Anacortes, Burlington, Concrete, La Conner, Mount Vernon, Sedro-Woolley, Camano Island, Central Whidbey, Coupeville, Langley, The Greater Oak Harbor, San Juan Island, Lopez Island and Orcas Island.