{"id":3431,"date":"2020-12-07T20:56:44","date_gmt":"2020-12-08T01:56:44","guid":{"rendered":"https:\/\/castoresidentialrealty.com\/?page_id=3431"},"modified":"2021-02-08T16:19:36","modified_gmt":"2021-02-08T21:19:36","slug":"mortgage-calculator","status":"publish","type":"page","link":"https:\/\/castoresidentialrealty.com\/buy-a-home\/mortgage-calculator\/","title":{"rendered":"Mortgage Calculator"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.8.2&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2021\/01\/Mortgage-Calculator.jpg&#8221; height_tablet=&#8221;825px&#8221; height_phone=&#8221;775px&#8221; height_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;7rem||7rem|4%|false|false&#8221; custom_padding_tablet=&#8221;3rem|0px|5rem|0%|false|false&#8221; custom_padding_phone=&#8221;1.5rem||2rem||false|false&#8221; hover_enabled=&#8221;0&#8243; background_last_edited=&#8221;on|phone&#8221; background_image_tablet=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2021\/01\/Mortgage-Calculator-Mobile.jpg&#8221; background_enable_image_tablet=&#8221;on&#8221; background_position_tablet=&#8221;bottom_center&#8221; alt_tablet=&#8221;Mortgage Calculator&#8221; title_text_tablet=&#8221;Mortgage Calculator&#8221; animation_style=&#8221;fade&#8221; animation_duration=&#8221;500ms&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_row custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#bb6a3d&#8221; background_image=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2020\/12\/background-pattern.png&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_center&#8221; background_repeat=&#8221;repeat-x&#8221; background_blend=&#8221;color-burn&#8221; width=&#8221;100%&#8221; max_width=&#8221;55%&#8221; max_width_tablet=&#8221;90%&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;left&#8221; custom_padding=&#8221;3%|3%|2%|3%|false|true&#8221; custom_padding_tablet=&#8221;4%|3%|2%|3%|false|true&#8221; custom_padding_phone=&#8221;6%||||false|true&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||15px||false|false&#8221; custom_padding_tablet=&#8221;20px|20px|30px|20px|false|true&#8221; custom_padding_phone=&#8221;10px|5px|25px|5px|false|true&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221;][et_pb_text content_tablet=&#8221;<\/p>\n<h1>Mortgage Calculator Columbus Ohio<\/h1>\n<h2>We will help you through the entire buying and selling cycle, including the mortgage process.<\/h2>\n<p>The REALTORS<sup>\u00ae<\/sup> at CASTO Residential Realty will work with you every step of the way from searching for your perfect home, to negotiating the best price and managing the mortgage process, whether it&#8217;s your own financial institution or one of our trusted mortgage partners.<\/p>\n<p>&#8221; content_phone=&#8221;<\/p>\n<h1>Mortgage Calculator Columbus Ohio<\/h1>\n<h2>We will help you through the entire buying and selling cycle, including the mortgage process.<\/h2>\n<p>The REALTORS<sup>\u00ae<\/sup> at CASTO Residential Realty will work with you every step of the way from searching for your perfect home, to negotiating the best price and managing the mortgage process, whether it&#8217;s your own financial institution or one of our trusted mortgage partners.<\/p>\n<p>&#8221; content_last_edited=&#8221;off|phone&#8221; _builder_version=&#8221;4.8.0&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#ffffff&#8221; header_font=&#8221;|||on|||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_font_size=&#8221;0.85rem&#8221; header_letter_spacing=&#8221;4px&#8221; header_2_font=&#8221;|800|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;3.7vh&#8221; header_2_line_height=&#8221;1.2em&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; link_font_size_tablet=&#8221;&#8221; link_font_size_phone=&#8221;12px&#8221; link_font_size_last_edited=&#8221;on|phone&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;0.6rem&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; header_letter_spacing_tablet=&#8221;&#8221; header_letter_spacing_phone=&#8221;2px&#8221; header_letter_spacing_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;1.8rem&#8221; header_2_font_size_phone=&#8221;1.2rem&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;&#8221; text_orientation_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h1>Mortgage Calculator Columbus Ohio<\/h1>\n<h2>Determine how much home you can afford using our simple mortgage calculator.<\/h2>\n<p>CASTO Residential Realty works with several lenders throughout Central Ohio with lending programs that will fit your needs.[\/et_pb_text][et_pb_button button_url=&#8221;#letstalk&#8221; button_text=&#8221;Let&#8217;s Talk&#8221; button_alignment=&#8221;left&#8221; button_alignment_tablet=&#8221;center&#8221; button_alignment_phone=&#8221;&#8221; button_alignment_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_border_width=&#8221;1px&#8221; button_border_color=&#8221;#ffffff&#8221; button_border_radius=&#8221;0px&#8221; button_font=&#8221;|||on|||||&#8221; button_use_icon=&#8221;off&#8221; custom_margin=&#8221;30px||||false|false&#8221; custom_padding=&#8221;12px|20px|12px|20px|true|false&#8221; hover_transition_duration=&#8221;500ms&#8221; button_border_color__hover_enabled=&#8221;on|hover&#8221; button_border_color__hover=&#8221;#a24d1e&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#a24d1e&#8221; button_bg_enable_color__hover=&#8221;on&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.8.2&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2020\/12\/background-pattern.png&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_center&#8221; background_repeat=&#8221;repeat-x&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_margin_last_edited=&#8221;off|desktop&#8221; custom_padding=&#8221;80px||100px||false|false&#8221; custom_padding_tablet=&#8221;60px||||false|false&#8221; custom_padding_phone=&#8221;50px||||false|false&#8221; hover_enabled=&#8221;0&#8243; locked=&#8221;off&#8221; animation_style=&#8221;fade&#8221; animation_duration=&#8221;500ms&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_row _builder_version=&#8221;4.8.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;60%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|tablet&#8221; 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text_orientation_tablet=&#8221;center&#8221; text_orientation_last_edited=&#8221;off|desktop&#8221; locked=&#8221;off&#8221;]<\/p>\n<h2>Mortgage Calculator<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.8.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||50px||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.8.0&#8243; _module_preset=&#8221;default&#8221;][et_pb_code _builder_version=&#8221;4.8.0&#8243; _module_preset=&#8221;default&#8221;]<form class=\"mcalc mcalc-conventional mcalc-color\" name=\"cv\" id=\"id_cv\">\r\n    \r\n<div>\r\n  <div class=\"mcalc-main\">\r\n    <div class=\"mcalc-half mcwp-purchase\">\r\n      <label for=\"inp_purchase_price\">Purchase Price<\/label>\r\n      <i>$<\/i>\r\n      <input type=\"text\" name=\"purchase_price\" id=\"inp_purchase_price\" value=\"250,000\" class=\"mcalc-dollar\">\r\n    <\/div>\r\n    <div class=\"mcalc-half mcwp-term\">\r\n      <label for=\"mortgage_term_yr\">Mortgage Term<\/label>\r\n      <select name=\"mortgage_term\" id=\"mortgage_term_yr\">\r\n        <option value=\"30\">30 Years<\/option>\r\n        <option value=\"25\">25 Years<\/option>\r\n        <option value=\"20\">20 Years<\/option>\r\n        <option value=\"15\">15 Years<\/option>\r\n        <option value=\"10\">10 Years<\/option>\r\n        <option value=\"5\">5 Years<\/option>\r\n      <\/select>\r\n    <\/div>\r\n    <div class=\"mcalc-half mcwp-down-payment\">\r\n      <label class=\"mcalc-half\" for=\"down_payment_inp\">Down Payment ($)<\/label>\r\n\r\n      <input type=\"text\" name=\"down_payment\" id=\"down_payment_inp\" value=\"\"  class=\"mcalc-half\">\r\n\r\n      <input id=\"ex1 e1\" class=\"ex1 down_payment_scrl\" data-slider-id=\"ex1Slider\" type=\"text\" data-slider-min=\"0\" data-slider-max=\"80\" data-slider-step=\"1\" data-slider-value=\"5\" data-slider-arialabel=\"DP Slider\" \/>\r\n      <p class=\"mcalc-percent\">5%<\/p>\r\n    <\/div>\r\n\r\n    <div class=\"mcalc-half mcwp-taxes\">\r\n      <label class=\"mcalc-half\" for=\"annual_tax_inp\">Annual Taxes ($)<\/label>\r\n      <input type=\"text\" name=\"annual_taxes\" id=\"annual_tax_inp\" value=\"\" class=\"mcalc-half\">\r\n      <input id=\"ex1 e2\" class=\"ex1 annual_tax_scrl\" data-slider-id=\"ex1Slider\" type=\"text\" data-slider-min=\"0\" data-slider-max=\"20\" data-slider-step=\"0.1\" data-slider-value=\"1\" title=\"Tax Slider\" \/>\r\n      <p class=\"mcalc-percent\">1%<\/p>\r\n    <\/div>\r\n\r\n    <div class=\"mcalc-full mcwp-interest-rate\">\r\n      <label for=\"ex1\">Interest Rate (%)<\/label>\r\n\r\n      <input id=\"ex1 e3\" name=\"interest_rate\" class=\"ex1 interest_rate_scrl\" data-slider-id=\"ex1Slider\" type=\"text\" data-slider-min=\"1\" data-slider-max=\"30\" data-slider-step=\".125\" data-slider-value=\"5\"\/>\r\n\r\n      <p class=\"mcalc-percent\">5%<\/p>\r\n    <\/div><div class=\"mcalc-half mcwp-insurance\">\r\n      <label for=\"annual_insurance_inp\">Annual Insurance<\/label>\r\n      <i>$<\/i>\r\n      <input type=\"text\" name=\"annual_insurance\" id=\"annual_insurance_inp\" value=\"600\" class=\"mcalc-dollar\">\r\n    <\/div><div class=\"mcalc-half mcwp-hoa\">\r\n      <label for=\"monthly_hoa_inp\">Monthly HOA<\/label>\r\n      <i>$<\/i>\r\n\r\n      <input type=\"text\" name=\"monthly_hoa_form\" id=\"monthly_hoa_inp\" value=\"50\" class=\"mcalc-dollar\">\r\n\r\n    <\/div><div class=\"mcalc-full mcwp-results\">\r\n      <label for=\"cal1_email\">Want a Copy of the Results?<\/label>\r\n      <input type=\"email\" id=\"cal1_email\" placeholder=\"Enter your email address\" value=\"\" name=\"email\" \/>\r\n      <input type=\"button\" id=\"wpmc1_send_mail\" class=\"mcwp-submit bg cv_submit mcalc-color\" value=\"Send Results!\">\r\n    <\/div>\r\n  <\/div>\r\n  <div class=\"mcalc-values\">\r\n    <div class=\"mcalc-results\">\r\n      <h2 class=\"mcalc-value mcalc-payment\">$<span id=\"emmp_div_span\">1421<\/span>\r\n      <\/h2>\r\n      <h3>Monthly Payment<\/h3>\r\n      <p class=\"mcwp-pi\">Principal & Interest <strong class=\"mcalc-value\">$<span id=\"pi_div_span\">1421<\/span><\/strong><\/p>\r\n      <p class=\"mcwp-mt\">Monthly Taxes <strong class=\"mcalc-value\">$<span id=\"mtax_div_span\">1421<\/span><\/strong><\/p>\r\n      <p>Monthly HOA <strong class=\"mcalc-value\">$<span id=\"hoa_div_span\">1421<\/span><\/strong><\/p>\r\n      <p>Monthly Insurance <strong class=\"mcalc-value\">$<span id=\"minsure_div_span\">1421<\/span><\/strong><\/p>\r\n      <small><\/small>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n<input type=\"hidden\" name=\"principal_and_interest\" class=\"pi_div_span\" \/>\r\n<input type=\"hidden\" name=\"calculation_result\" class=\"emmp_div_span\" \/>\r\n<input type=\"hidden\" name=\"monthly_taxes\" class=\"mtax_div_span\" \/>\r\n<input type=\"hidden\" name=\"monthly_insurance\" class=\"minsure_div_span\" value=\"\"\/>\r\n<input type=\"hidden\" name=\"monthly_mortgage_insurance\" class=\"mmi_div_span\" \/>\r\n<input type=\"hidden\" name=\"monthly_hoa\" class=\"hoa_div_span\" value=\"\"\/>\r\n<input type=\"hidden\" name=\"type\" value=\"cv\"\/>\r\n\r\n      <input type=\"hidden\" name=\"action\" value=\"mcwp_sendmail\"\/>\r\n    <\/form>[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.8.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;60%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|tablet&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;|4%||4%|false|true&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.8.0&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;|800|||||||&#8221; header_2_text_color=&#8221;#00355f&#8221; header_2_font_size=&#8221;3.9vh&#8221; header_2_line_height=&#8221;1.1em&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;||70px||false|true&#8221; custom_padding_phone=&#8221;30px|30px|50px|30px|false|true&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; link_font_size_tablet=&#8221;&#8221; link_font_size_phone=&#8221;12px&#8221; link_font_size_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_last_edited=&#8221;off|desktop&#8221; locked=&#8221;off&#8221;]<\/p>\n<h2>The CASTO Home Buying Process<\/h2>\n<p>First things first, let\u2019s get acquainted. We\u2019ll meet to discuss what you want in a home. During our discovery phase, we\u2019ll cover topics such as your ideal location, school districts, your immediate needs, and what you can afford. All these things are very important when purchasing a house, which is why CASTO Residential Realty will walk you through each step of the process.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;50px|4%|0px|4%|false|true&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_blurb title=&#8221;Obtain a Pre-Approval Letter&#8221; image=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2020\/12\/icon-process-approved.png&#8221; alt=&#8221;Obtain a Pre-Approval Letter&#8221; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;18px&#8221; text_orientation=&#8221;center&#8221; animation=&#8221;off&#8221; custom_css_blurb_title=&#8221;margin-top: -30px;&#8221;]<\/p>\n<p>A pre-approval letter from a mortgage lender helps you to understand the type and size of mortgage that you will qualify for and shows the seller that you are a qualified buyer. If you are at the very beginning of your home buying process, we can help you find a lender who you are comfortable with and will work with you one-on-one.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_blurb title=&#8221;Select &#038; View Properties&#8221; image=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2020\/12\/icon-process-select-properties.png&#8221; alt=&#8221;Select &#038; View Properties&#8221; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;18px&#8221; text_orientation=&#8221;center&#8221; animation=&#8221;off&#8221; custom_css_blurb_title=&#8221;margin-top: -30px;&#8221;]We will show you properties that match your search criteria and affordability parameters. A CASTO Residential Realty REALTOR<sup>\u00ae<\/sup> will help you to understand the market and prioritize your wants and needs.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_blurb title=&#8221;Present &#038; Negotiate Offer to Purchase&#8221; image=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2020\/12\/icon-process-buy-offer.png&#8221; alt=&#8221;Present &#038; Negotiate Offer to Purchase&#8221; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;18px&#8221; text_orientation=&#8221;center&#8221; animation=&#8221;off&#8221; custom_css_blurb_title=&#8221;margin-top: -30px;&#8221;]<\/p>\n<p>Once you find the home that you love, CASTO Residential Realty will help you submit an offer outlining the terms that you agree to purchase the property. Be ready for some back and forth negotiations along the way \u2014 but don\u2019t worry, we will be with you every step of the way. We are expert negotiators and will act on your behalf to make sure that you get the best deal possible!<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;50px|4%|0px|4%|false|true&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_blurb title=&#8221;Accept the Contract&#8221; image=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2020\/12\/icon-process-contract.png&#8221; alt=&#8221;Accept the Contract&#8221; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;18px&#8221; text_orientation=&#8221;center&#8221; animation=&#8221;off&#8221; custom_css_blurb_title=&#8221;margin-top: -30px;&#8221;]<\/p>\n<p>Congratulations \u2014 you\u2019re in contract! Now the real work starts! CASTO Residential Realty will lead the transaction to make sure it is as seamless and stress free as possible.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_blurb title=&#8221;Order Inspections &#038; Request to Remedy&#8221; image=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2020\/12\/icon-process-buy-inspection.png&#8221; alt=&#8221;Order Inspections &#038; Request to Remedy&#8221; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;18px&#8221; text_orientation=&#8221;center&#8221; animation=&#8221;off&#8221; custom_css_blurb_title=&#8221;margin-top: -30px;&#8221;]We work with home inspectors who are top notch in their field. CASTO Residential Realty will help you to understand the inspection and negotiate any remedy request prior to closing.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_blurb title=&#8221;Make a Formal Loan Application &#038; Obtain a Good Faith Estimate&#8221; image=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2020\/12\/icon-process-buy-appraisal.png&#8221; alt=&#8221;Make a Formal Loan Application &#038; Obtain a Good Faith Estimate&#8221; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;18px&#8221; text_orientation=&#8221;center&#8221; animation=&#8221;off&#8221; custom_css_blurb_title=&#8221;margin-top: -30px;&#8221;]<\/p>\n<p>Notify your lender immediately after going into contract. Communication between the lender, title agent and your REALTOR<sup>\u00ae<\/sup> is established outlining the timeline for certain performance measures, including appraisal, loan commitment, title commitment and closing.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;50px|4%|0px|4%|false|true&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_blurb title=&#8221;Secure Homeowners Insurance&#8221; image=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2020\/12\/icon-process-insurance.png&#8221; alt=&#8221;Secure Homeowners Insurance&#8221; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;18px&#8221; text_orientation=&#8221;center&#8221; animation=&#8221;off&#8221; custom_css_blurb_title=&#8221;margin-top: -30px;&#8221;]<\/p>\n<p>Call your insurance agent and get a quote on insuring the property. The first premium payment is often taken at closing.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_blurb title=&#8221;Final Walk Through &#038; Financials&#8221; image=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2020\/12\/icon-process-final-walkthrough.png&#8221; alt=&#8221;Final Walk Through &#038; Financials&#8221; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;18px&#8221; text_orientation=&#8221;center&#8221; animation=&#8221;off&#8221; custom_css_blurb_title=&#8221;margin-top: -30px;&#8221;]Take one final walk-through of your new home and review the final settlement statement with your REALTOR<sup>\u00ae<\/sup> and lender. You\u2019re one step closer to purchasing your dream home![\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_blurb title=&#8221;Closing &#038; Possession&#8221; image=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2020\/12\/icon-process-closing-possession.png&#8221; alt=&#8221;Closing &#038; Possession&#8221; _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;18px&#8221; text_orientation=&#8221;center&#8221; animation=&#8221;off&#8221; custom_css_blurb_title=&#8221;margin-top: -30px;&#8221;]<\/p>\n<p>Your REALTOR<sup>\u00ae<\/sup> will coordinate the closing. All loan documents are signed and deed to the property is transferred, keys are exchanged, any earnest money taken at the contract signing is returned and your down payment is paid. Congratulations, you are a new homeowner!<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; make_equal=&#8221;on&#8221; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; specialty=&#8221;on&#8221; padding_top_bottom_link_1=&#8221;false&#8221; padding_left_right_link_1=&#8221;false&#8221; padding_top_1=&#8221;0px&#8221; padding_bottom_1=&#8221;0px&#8221; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221; inner_width=&#8221;100%&#8221; inner_max_width=&#8221;100%&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/castoresidentialrealty.com\/wp-content\/uploads\/2020\/12\/buy-a-home-lets-break-down-the-cost.jpg&#8221; alt=&#8221;Out of Pocket Expenses: Let&#8217;s Break Down the Costs&#8221; title_text=&#8221;Out of Pocket Expenses: Let&#8217;s Break Down the Costs&#8221; align=&#8221;center&#8221; force_fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.7.5&#8243; _module_preset=&#8221;default&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; specialty_columns=&#8221;2&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_row_inner _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|6%||6%|false|true&#8221; border_width_top=&#8221;10px&#8221; border_color_top=&#8221;#bb6a3d&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.7.5&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;|||on|||||&#8221; header_2_text_color=&#8221;#00355f&#8221; header_2_font_size=&#8221;0.95rem&#8221; header_2_letter_spacing=&#8221;4px&#8221; header_2_line_height=&#8221;1.1em&#8221; header_3_font=&#8221;|800|||||||&#8221; header_3_text_color=&#8221;#00355f&#8221; header_3_font_size=&#8221;3.9vh&#8221; header_3_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;||70px||false|true&#8221; custom_padding_phone=&#8221;30px|30px|50px|30px|false|true&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; link_font_size_tablet=&#8221;&#8221; link_font_size_phone=&#8221;12px&#8221; link_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;0.6rem&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_2_letter_spacing_tablet=&#8221;&#8221; header_2_letter_spacing_phone=&#8221;2px&#8221; header_2_letter_spacing_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221;]<\/p>\n<h2>Our of Pocket Expenses<\/h2>\n<h3>Let&#8217;s Break Down the Costs<\/h3>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|6%||6%|false|true&#8221;][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.7.7&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#bb6a3d&#8221; custom_margin=&#8221;||30px|||&#8221; custom_padding=&#8221;|50px|||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;|0px|||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h3>Earnest Money Deposit<\/h3>\n<p>An Earnest Money Deposit is often part of an accepted purchase contract as evidence of good faith.  The deposit may be held by CASTO Residential Realty or the title company.  Earnest Money is returned at closing, or maybe applied toward the down payment or closing costs.  A typical Earnest Money Deposit ranges in size from $1,000 to $5,000 depending on the purchase price of the home.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.7.5&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#bb6a3d&#8221; custom_margin=&#8221;||30px|||&#8221; custom_padding=&#8221;|50px|||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;|0px|||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h3>Home Inspection<\/h3>\n<p>A typical home inspection costs between $400 &#8211; $500.  A radon test is another common test that increases the cost of the inspection by about $100.  Less common tests include a mold test and opinion from a structural engineer.  These tests may be recommended by the home inspector if they see evidence of something that is outside of their area of expertise.<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.7.5&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#bb6a3d&#8221; custom_margin=&#8221;||30px|||&#8221; custom_padding=&#8221;|50px|||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;|0px|||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h3>Appraisal<\/h3>\n<p>A lender may require you to cover the cost of the appraisal upfront; otherwise, it will be taken at closing.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.7.5&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#bb6a3d&#8221; custom_margin=&#8221;||30px|||&#8221; custom_padding=&#8221;|50px|||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;|0px|||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h3>Down Payment &#038; Closing Costs<\/h3>\n<p>Required at closing and depends on the type of loan that you receive and the purchase price of the home.  All closing costs, prepaid interest, homeowner\u2019s insurance premiums and escrow funds required for closing will be outlined on the closing statement created by the title company.<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage Calculator Columbus Ohio Determine how much home you can afford using our simple mortgage calculator. CASTO Residential Realty works with several lenders throughout Central Ohio with lending programs that will fit your needs.Mortgage Calculator<form class=\"mcalc mcalc-conventional mcalc-color\" name=\"cv\" id=\"id_cv\">\r\n    \r\n      <input type=\"hidden\" name=\"action\" value=\"mcwp_sendmail\"\/>\r\n    <\/form>The CASTO Home Buying Process First things first, let\u2019s get acquainted. We\u2019ll meet to discuss what you want in a [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":3407,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/castoresidentialrealty.com\/wp-json\/wp\/v2\/pages\/3431"}],"collection":[{"href":"https:\/\/castoresidentialrealty.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/castoresidentialrealty.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/castoresidentialrealty.com\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/castoresidentialrealty.com\/wp-json\/wp\/v2\/comments?post=3431"}],"version-history":[{"count":0,"href":"https:\/\/castoresidentialrealty.com\/wp-json\/wp\/v2\/pages\/3431\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/castoresidentialrealty.com\/wp-json\/wp\/v2\/pages\/3407"}],"wp:attachment":[{"href":"https:\/\/castoresidentialrealty.com\/wp-json\/wp\/v2\/media?parent=3431"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}