Selling in Tampa, Brandon, Valrico, Seffner,Lithia "Experience isn't expensive, it's Priceless" Sales, Negotations, Marketing over 30 years

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Residential Homes, New Homes, Short Sales (CDPE), Bank Owned Property (REO)


Tampa, South Tampa, New Tampa, Lutz, Odessa, Ybor City, Channelside, Brandon, Valrico, Lithia, Seffner, Dover, Riverview, Apollo Beach, Ruskin, Plant City ...  PLUS... Clearwater and St. Pete Beaches Area. 





Welcome to your Florida Real Estate source for Hillsborough County Real Estate. 

SELLERS:  I am happy to provide you with a FREE Home Evaluation and present my "Certified Pre-Owned Home Sale plan"  which insures your home will sell for top dollar in today's  real estate market value.

BUYERS:  In today's competitive real estate market, timing is everything.  Beat other homebuyers to the hottest new homes for sale with my New Listings Notification service through Matrix MLS.   SCROLL DOWN on this page... and use our online Mortgage Calculator.

"Experience isn't expensive, it's Priceless"

Hire someone like me, with over 30 years experience in sales, marketing, advertising & negotations, who wants to earn your business and give you the results you deserve.   

The Realtor "Always" Makes the Difference 

Always call "Team Damschen"  Shannon & Richard Damschen ... FIRST  






Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.


Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your 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:  %


Shannon Damschen

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