Kevin Heffernan St John`s Real Estate


We were extremely happy in all dealing regarding our new home.  You went above and beyond to help us in every way.  We would certainly recommend you to everyone and if we ever need a Realtor, you would be our first choice for certain. We found you to be very professional, kind, thoughtful and caring.  Please feel free to drop by for a coffee and of course a cookie.  Hope all is well with you.

All Life's Best,

Sharron & Allan


“Kevin was all that we could have wanted in a real estate agent.  He was very professional, readily accessible at all times and provided us with the guidance we needed when selling and buying a home.  We never felt pressured to make a decision, and with Kevin’s help and advice we found our perfect home!  We have and would recommend Kevin to anyone planning to sell or purchase a home.  His pleasant manner and quiet presence make him easy to work with.”

Sara & Sheldon


We sold our prior home and purchased our current home through Kevin. He is very knowledgeable about the market, welcomes questions, and a strong negotiator in the closing phase. Whenever we decide to move again, Kevin is the agent we will be contacting.

Manette & Steve


We were so satisfied with the personal attention and level of professionalism Kevin brought to our selling experience that we would recommend him enthusiastically. Kevin helped us get top dollar for our home by tailoring a plan to our needs. Shortly after he put together an open house for agents we had an offer we were excited to accept. Kevin was always available if we had a question. When it came time to purchase he was invaluable in guiding us through the process by minimizing stress and maximizing the benefit for us. We found a great house at the price that we could afford. When it come to real estate around here Kevin is your man!

Dave & Ellen


How Much Can You Afford?

Our calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs.  To email yourself a copy of the results, click the Receive this Detailed Analysis link.

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
  Receive this Detailed Analysis

Your Monthly Payments
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %
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