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David Stanleyfriendly – professional – local

Estimate your monthly payment

Principal & interest

—
  • Loan amount
  • Down payment
Talk to David about financing

Rate shown is Freddie Mac's average 30-year rate (October 15, 2026). Principal and interest only; taxes, insurance and any HOA are extra. Not a loan offer.

How much home can I afford?

You could afford about

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  • Total monthly housing budget
  • Principal & interest
  • Taxes & insurance allowance
Get pre-approved with a local lender

Estimate only. Uses a 7.40% rate, Flagler-area tax and insurance allowances and no HOA. Not a loan offer or financial advice.

Financing Questions

What interest rate does the calculator use?
Freddie Mac's current average 30-year fixed rate, updated with the monthly market report. Your rate depends on your credit, down payment and lender, so treat it as a starting point.
What does the affordability estimate assume?
A 43 percent debt-to-income limit, a middle-of-the-road figure (Fannie Mae allows up to 45 percent on manually underwritten loans and up to 50 percent through its automated approval), plus an allowance of about 1.85 percent of the price per year for Flagler-area property taxes and 0.4 percent for insurance. HOA dues and flood insurance are extra.
Should I get pre-approved before looking at homes?
Yes. In Flagler County, sellers expect a pre-approval letter with every offer, and it tells you your real budget. I can connect you with local lenders who close on time.

Keep going:Search homes in your rangeBuyer's guideSeller net sheetHow to get pre-approved

Complimentary · 30 minutes

Book a Consultation

Choose a time that works for you. We'll talk through your goals, your timing and the numbers by phone, video, or in person at my Palm Coast office.

  • Selling? Pricing strategy, what nearby homes actually sold for, and your estimated net proceeds.
  • Buying? Neighborhoods, new construction vs. resale, and how to win the home you want.
  • Relocating? Where to live on Florida's East Coast and what it really costs.

Rather talk now? Call or text (386) 627-3612

Instant confirmation and calendar invite by email. Need a different time? Call or text (386) 627-3612.

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