Worksheets and Calculators from FreddieMac to assist in your Florida Home Ownership

Worksheets

Preparing for Homeownership

• Budget Worksheet [PDF 73K]
  Estimate your monthly expenses.
• Appliance Cost Worksheet [PDF 93K]
  Understand and plan for the repair and replacement costs of appliances.

All About Mortgages

• Mortgage Worksheet [PDF 103K]
  Research and compare different lenders and loans.
• Prepayment Penalty Mortgages [PDF 28K]
  Evaluate the pros and cons of prepayment penalty mortgages.
• Tips for Applying Online [PDF 36K]
  Understand how to apply for a mortgage online.

Purchasing a Home

• House Wants vs. Needs [PDF 54K]
  Clarify your home needs and wants.
• Neighborhood Wants vs. Needs [PDF 40K]
  Evaluate different neighborhoods and establish your neighborhood requirements.
• House Hunting [PDF 50K]
  Compare different houses.
• Self Move Budget Worksheet [PDF 57K]
  Estimate what you'll need and what it will cost.
• Mover Estimate Worksheet [PDF 29K]
  Compare different movers before you hire one.
• Home Inventory Worksheet [PDF 27K]
  Organize your belongings using this worksheet.
• Hiring a Contractor [PDF 35K]
  Make sure you ask all the right questions when interviewing contractors.
• Packing Worksheet [PDF 49K]
  Get a packing supply checklist and helpful hints.
• Special Items [PDF 32K]
  Find out what to do with special items and what you're allowed to load on moving trucks.
• Moving Schedule [PDF 86K]
  Organize your move and get tips on when to handle specific moving issues.
• Getting Settled [PDF 28K]
  Get tips on moving day and getting settled quickly in your new home.
• Home Maintenance [PDF 28K]
  Understand the costs and how to budget for home maintenance.
• Appliance Cost Worksheet [PDF 93K]
  Understand and plan for the repair and replacement costs of appliances.
• Mortgage Strategies Tip Sheet [PDF 37K]
  Learn about mortgage strategies when having financial difficulty.
• Insurance Tip Sheet [PDF 39K]
  Learn about the insurance process and how to recognize and avoid insurance scams.
• Purchasing a Mobile Home [PDF 37K]
  Learn about purchasing a mobile home.
• Disaster Preparation [PDF 48K]
  Understand how to prepare for a disaster

Calculators

Preparing For Homeownership

• Rent vs. Buy
  Understand the financial differences between renting and homeownership.
• Tax Savings
  Learn about the potential tax savings with homeownership.
• How Much Can You Afford?
  Research how much house works within your budget.
• How Much Can You Borrow?
  Learn how much money you might be able to borrow.

All About Mortgages

• Fixed or Adjustable-Rate?
  Understand the financial differences between the fixed- and adjustable-rate mortgage.
• Adjustable-Rate Mortgages
  Find out how much monthly mortgage payments might be with an adjustable-rate mortgage.
• Fixed-Rate Mortgages
  Find out how much monthly mortgage payments might be with a fixed-rate mortgage.
• 15-year or 30-year Term?
  Learn how a different term affects your mortgage payment and overall cost of the loan.
• Down Payments
  Research how much of a down payment you should consider.
• Closing Costs
  Estimate what your closing costs might be.
• Extra Payments
  Learn how advantageous extra monthly mortgage payments might be.
• Paying Points
  Find out how paying extra points might lower your mortgage rate.
• Mortgage Insurance
  Understand how to possibly reduce mortgage insurance.

Purchasing A Home, and Avoiding Foreclosure

• Refinancing Costs
  Understand what your refinancing costs might be. 

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