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Call us for all of your Sanibel Island Real Estate needs toll free at (800) 553-7338, ext. 219 for Jim and ext. 202 for Penny
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Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your Sanibel or Captiva home? You should know exactly what it's worth before making such an important decision.
Find Out More >
View All Offers >
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"I am completely satisfied."
"Both Jim and Penny are hard working, persistent, and courteous."
Bob Chrisman, Worthington, OH
Read Quote >
View All Quotes >
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 Compare three mortgages at one time.
Download TripleCalc now. It's free. |
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Special Offers: Special offers for Sanibel Island and Captiva
Island homeowners from James & Penny Hetmanek, top Realtors |
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Local Service Providers: James & Penny Hetmanek's real estate web
site affiliates |
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Monthly Payments & Schedule: Monthly loan payments java
mortgage calculator |
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How Much Can You Afford?: Calculate how much home
you can afford with this financial calculator |
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Determine Tax Savings: Calculate how much your
monthly Sanibel Island and Captiva Island Florida mortgage payments save you on
your taxes because of loan interest |
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Should You Rent or Buy?: Is it better to rent a
home in Florida or buy your own Sanibel Island and Captiva Island house, ranch,
luxury property, condominium, acreage, or other real estate? |
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Adjustable Rate Mortgages: Adjustable rate Sanibel
Island and Captiva Island mortgages information and interest rate java
calculator |
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What Is Your APR?: Determine the Annual Percentage
Rate (APR) for your mortgage. |
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Fixed or Adjustable Rate Mortgage?: Use this calculator to
compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and
an Interest Only ARM. |
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Are Balloon Mortgages For You?: Balloon mortgage calculator.
A balloon mortgage can be an excellent option for many home
buyers. |
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15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay
significantly less interest, but only if you can afford the higher monthly
payment. Use this calculator to compare these two mortgage
terms. |
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How Much Should Your Income Be?: What income is required
to qualify for a mortgage? Use this calculator to find out. |
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What's Your Maximum Mortgage?:This calculator will help you
determine your maximum monthly housing payment and the resulting mortgage
amount. |
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Will Buying Points Save You Money?:This calculator helps you
determine if you should pay for points, or use the money to increase your down
payment. |
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TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at
one time for your property or other Florida real estate |
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Top National Real Estate Web Sites: Real Estate Web Sites
that include some unique sources of realty information, listings, and
more |
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Ask Anything: Ask James & Penny Hetmanek anything real estate |
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Real Estate Tips: James & Penny Hetmanek's realty
library of real estate tips and advice on everything from preparing your home
for sale to negotiating with home buyers to escrow, closing costs, property
inspections, and mortgage brokers |
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Real Estate Dictionary: Complete real estate
dictionary and glossary of realty words you'll use when you list and sell your
Sanibel Island and Captiva Island property in Florida, including legal terms
definitions, and more |
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Real Estate Trivia: James & Penny Hetmanek's collection of real estate trivia
questions and answers that include real estate topics such as the most
expensive home, largest swimming pool, and more |
Making An Offer >Good Faith Deposits
After many months of searching, you have found your ideal house. You are a little older and a little wiser now, so you want to give the impression that you are serious without appearing to be too eager. What should you do? In the marketplace, "money talks."
There is no absolute rule about how much "good-faith" deposit you should put down--but it is a tool to make your point with the seller. The typical $1,000 will hold many homes for you, except in larger-home markets where it may be critical for you to show that you are an especially serious and able buyer. You don't want to make a deposit that is too large in case there is a problem getting your money back, but if your offer is substantially below the asking price, a larger deposit--$5,000 or $10,000--might influence the seller.
If you make a low deposit with your offer, be sure to provide for an increased deposit when the offer is accepted or upon removal of the contingencies.
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- NUMBER1EXPERTS™ 
