Buyer Tools & Florida Guides

Run the numbers. Know Florida.

Free calculators and plain-English guides — the ones I send buyers most often. Mortgage payments, rent-vs-buy, homestead exemption, flood zones, and the Hometown Heroes program for Florida workers.

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Calculators

The numbers, run fast.

Both tools work right in your browser — no email signup, no spam.

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Mortgage Calculator

Monthly principal, interest, taxes, insurance, and PMI — with Florida tax and insurance assumptions baked in so the number is realistic.
Open the calculator →
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Rent vs. Buy

5-year and 10-year financial comparison. Includes appreciation, maintenance, and opportunity cost on your down payment.
Run the comparison →
Florida-Specific Guides

Things every Florida buyer needs to know.

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Florida Homestead Exemption

How to file, deadlines, the $50,000 exemption, the Save Our Homes 3% cap, and what it actually saves you each year.
Read the guide →
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Florida Flood Zones Explained

X, AE, VE — what FEMA zones mean, when flood insurance is required, and how to check a property's zone before you offer.
Read the guide →
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Hometown Heroes Florida

Up to $35,000 in down-payment and closing-cost help for teachers, nurses, first responders, military, and other Florida workers.
See if you qualify →

Questions a calculator can't answer?

Most of what buyers actually need is a real conversation. 30 minutes by phone, no pressure.

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