Naples Real Estate FL, North Naples Real Estate and Bonita Springs Real Estate home listings and homes for sale in Florida, Waterfront, BeachFront, Gated Communities, Golf Communities, Tennis Communities - Patrick Dearborn, P.A., REALTOR® Patrick Dearborn, P.A. REALTOR(r) for Naples, North Naples and Bonita Springs, Florida real estate - NUMBER1EXPERT™ Patrick Dearborn, P.A. NUMBER1EXPERT(tm) for Naples, North Naples and Bonita Springs, Florida real estate
View Contact Information for Patrick Dearborn, P.A., Realtor(r) serving Naples, North Naples and Bonita Springs, FL in Collier County > Pop-Up Window
Click to Email Patrick Dearborn, P.A., REALTOR(r) serving Naples, North Naples and Bonita Springs, FL in Collier County
Login
Site Map
Patrick Dearborn, P.A., REALTOR®, real estate agent and broker for Naples, North Naples and Bonita Springs Florida home listings, property and land for sale - NUMBER1EXPERT(tm)








All real estate agents are NOT alike! Find out why I am a top real estate expert. Call me: 239-877-4340.
Office:
239-593-7300

Cell:
239-877-4340


Request My Free Relocation Package!
Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate!
Find Out More >
View All Offers >


"WOW! Patrick Dearborn is the BEST!"
Patrick Dearborn is truly the best and most professional salesperson I have ever dealt with".
Gary Brecka President/CEO LifeAsset Group LLC
Read Quote >
View All Quotes >





Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Patrick Dearborn, P.A. is one of The Top Selling Real Estate Experts™
Find Out More >
Mortgage Calculators: Naples, North Naples and Bonita Springs Florida home buying, real estate listings, and homes for sale in Collier County, FL
Welcome > Resources > Mortgage Calculators > Determine Tax Savings ...


The Best Mortgage Calculators On the Web! 

Please try my Java loan and mortgage calculators. They take a minute to load, but they are worth it! 

Each calculator has dynamic graphs and charts that change - right before your eyes - as you enter different information. Try each calculator with different interest rates, loan amounts, and payment schedules. 

The mortgage repayment schedule and other reports are fully customizable - just for your home, your interest rate, your loan amount, your taxes, and more. 

Would you like a print out, for your records and future reference? Each calculator includes a View Report button. Click it, hit print, and you have a report, customized just for you... 

Mortgage Tax Savings Calculator

Interest paid on a mortgage is tax deductible if you itemize on your on tax return. So are points that are paid to lower your interest rate. Use this calculator to determine how much you could save in income taxes. Click on the "View Report" button to view the results in detail.

This Financial Calculator requires a Browser with Java Support


Definitions

Mortgage amount
Original or expected balance for your mortgage. Taxpayers can deduct the interest paid on first and second mortgages up to $1,000,000 in mortgage debt (the limit is $500,000 if married and filing separately). Any interest paid on first or second mortgages over this amount is not tax deductible. Home equity loans are limited to $100,000 or the amount of equity you have in your home. Our calculator limits your interest deduction to the interest payment that would be paid on a $1,000,000 mortgage.

Interest rate
Annual interest rate for this mortgage.

Interest rate after taxes
Annual effective interest rate after taxes are taken into account. Please note that in addition to the $1,000,000 mortgage debt limit, this calculator assumes that your itemized deductions will exceed the standard deduction for your income tax filing status. If your itemized deductions don't exceed your standard deduction, the benefit of deducting the interest on your home will be reduced or eliminated. For 2002 the standard deductions were $7,850 for married couples filing jointly, $3,925 for married couples filing separately, $4,700 for singles, and $6,900 for heads of household. You should also be aware that the total tax savings may be less for higher incomes that have their allowable itemized deductions phased out.

Term in years
The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.

Monthly payment
Monthly principal and interest payment (PI).

Federal tax rate:
The marginal federal tax rate you expect to pay.

State tax rate:
The marginal state tax rate you expect to pay.

Annual Percentage Rate (APR)
A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate may be a bad value if its fees are too high. Likewise, a loan with a higher stated rate with very low fees could be an exceptional value. APR calculations incorporate these fees into a single rate. You can then compare loans with different fees, rates or different terms.

APR after taxes
Annual percentage rate after taxes are taken into account. Unlike your after-tax interest rate, the APR after taxes takes closing costs into account.

Loan origination percent
The percent of your loan charged as a loan origination fee. For example, a 1% fee on a $120,000 loan would cost $1,200.

Discount points
Total number of "points" purchased to reduce your mortgage's interest rate. Each "point" costs 1% of your loan amount. As long as the points paid are not a broker's commission, they are considered tax deductible in the year that they were paid.

Other fees
Any other fees that should be included in the APR calculation. These fees can vary by lender, but at a minimum usually includes prepaid interest.

The mortgage calculators are provided by KJE Computer Solutions, LLC and made available to NUMBER1EXPERT as self-help tools for your independent use and are not intended to provide investment advice. We can't guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.




Patrick Dearborn, P.A., REALTOR®, real estate agent and broker for Naples, North Naples and Bonita Springs Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Patrick Dearborn, P.A. (Realtor)
John R Wood Realtors

2600 Immokalee Rd.
Naples, Fl 34110
Direct: 239-298-5306
Cell: 239-877-4340
Fax: 239-598-0069
pdearborn@johnrwood.com

CATCH THE BUZZ WITH PATRICK DEARBORN Have you Caught the Buzz? You know what I mean. It’s the constant rumble of excitement and ruminations amongst those lucky enough to live in the paradise called Naples. It’s the hum that reverberates between those lucky Floridians of SWFLA who might say to each other: “Pinch me I can’t believe I live here in the greatest community in the entire country—maybe the entire world.” It’s how REALTOR® Patrick Dearborn of John R. Wood Realtors also feels about this community where he lives with his family and why he works so diligently to ensure it retains its charm and livability while sustaining its current growth. Patrick also believes so strongly about Naples and giving back to this community, that he wants everyone to “catch the buzz”.

But, those who know Patrick will tell you that the buzz isn’t just about the community, it’s about Patrick himself. While his own enthusiasm and dedication extends to his family, community, fellow REALTORS®, his team and clients, people in Naples are talking about Patrick Dearborn. And, so they should.

As a proud resident of Naples for many years, Patrick loves calling this tropical paradise home. Shortly after Patrick’s son Cooper was born, he and his wife Lisa decided to move from Maryland to Naples. They were looking for a lifestyle change. Patrick shares this, “We wanted to get away from the cold weather. We wanted to raise our son where he could be outside all the time. I was drawn to Real Estate here in SWFLA because of my love for this area. I’d always contemplated this industry and thought if you’re going to do it, do it here in ‘paradise’. So I incorporate my love of the area into every sale I do. When I get buyers from all over the country and world, I don’t only want to show them all the wonderful homes and investment deals here, I want to show them all the beautiful places we have and get to enjoy everyday like the beaches, Venetian Village, Waterside Shops, 5th Ave, Tin City, 3rd St, the Naples Pier, our spectacular daily sunsets, the new water park and so on.” Real estate is Patrick’s passion and he is often heard saying, “I love real estate and the process of helping people find the home/investment property of their dreams!”

Patrick’s professional background can be traced back to his service for our country where he served honorably in the US ARMY-82nd AIRBORNE Division. He was awarded the Army’s Good Conduct Medal and the US Army Achievement Award for superior service above and beyond the call of duty. He has taken the meaning of this award and applied it to his life and the way he conducts his business. “You’ve got to be proactive in this market. Business isn’t going to walk up to your door. We live in Paradise, but we need to reach out and let everyone know what a great place SWFLA is to invest or own a 2nd home. I see our market currently on an upward trend. With continuing low interest rates, and the economy continuing to show promise, we should be looking at a very busy 2007 Real Estate Market here in SWFLA!”

But Patrick doesn’t really want us talking so much about him, in fact he insists that he wouldn’t have the success he currently enjoys without the many mentors who helped him along the way and still play an important role in his career and his life. “I’m fortunate to have been associated with good real estate companies here and have had the privilege of working with many fantastic Realtors/Leaders! David Cole is the Broker for VIP Realty and to this day continues to be a mentor and friend. At NABOR, Arlene Carozza (2007 President Elect) and our past president Jo Carter were instrumental along with Jeri Cobb in getting me involved and very active in NABOR. Spencer Haynes (our 2007 President) has been a good friend and mentor along with Joe Ballarino (Realtor of the Year 2006), Jim Pillon (Former President) and many others have ALL been very supportive. I truly believe NABOR is one of if not the strongest board in Florida; I am proud and humble to be a part of it. More agents need to get involved and one of my goals in 2007 is to continue to reach out and get more of my fellow agents involved. We are all in this together—part of the ‘Buzz’ we enjoy here in SWFLA is because of the people just mentioned.”

When Patrick joined John R. Wood Realtors he found not only the top professional agents in SWFLA, he also found an extension to his family. “The company has longevity! They’ve the leader in sales and customer satisfaction of the finest properties in the area since 1958 when it was founded by John. Its growth has been phenomenal; growing from a single office to six strategically placed facilities. We are among the largest independently owned real estate firms in SWFLA. I was really impressed by Jeri Cobb, Spencer Haynes, Doreen Thomas and the rest of the excellent management team and Realtors. We are number #1 in average sales per agent in the ENTIRE country! This company consistently exceeds my expectations. All this talk in the press about a ‘bad’ year, well we had the 3rd BIGGEST year EVER!! It’s an incredible company so any agent who’s interested should give me a call.” Patrick has already helped bring-in several top agents. The company is spearheaded by Phil Wood (President) and Dottie Babcock (COO). ”Both of these folks have a stellar reputation in Naples and have both been helpful to me and my business!”

Working with some of the top agents in the market has also contributed to Patrick’s success. Agents, “ … like Robyn Pfister-Griffin, Bill Earls, Anna Delucca, and Shannon LeFevre. These professionals are leaders and visionaries. Along with Derek Carlson, Lisa Stevens, and Jackie Belcher , they are some of the best in this community.” Patrick’s dedication has helped him assist his clients transact on over $30 M of real estate since 2004! “I will ONLY continue to succeed in Real Estate because of the support around me. I have a great Office staff in Ann Neilons and Alex Medina. Nicole Vasquez is my listing coordinator, Marie Cavanaugh my closing coordinator—I couldn’t do this without them.” Because of his commitment to other agents in the area and his love of his profession, Patrick created and organizes “Catch The Buzz”. “Each month in Naples I put on a networking event for all Realtors and related industry professionals to get together and share stories, successes and failures and to have a shoulder to cry on and a hand to high five. The way I look at it we are in this together—all of us: the REALTORS® and the SWFLA community!” Patrick’s strong relationships with the two sponsors of this article have assisted him with his clients and exceeded clients’ expectations every time. Mike Zeto—VP for Drew Mortgage and Joey Mannarino—Tower City Title “not only stand above the rest and get the majority of my business, I trust them to handle my personal deals. EVERY agent reading this article should use them both on there next transaction; you will be glad you did!”

Patrick stays actively involved in the community as a proud member of the Naples Area Board of Realtors; currently serving as a Director for the Florida Association of Realtors, Graduating Member of the Prestigious Nabor Leadership Development Class 2005, Chairperson of the successful NABOR/WCR Trade Expo 2005 and 2006, VICE-Chair for the Professional Development Committee and member for the Realtor Political Action Committee. Patrick is also a member of the N.A.P.L.E.S Group (Naples Area Professional League of Executive Services), Naples Chamber of Commerce, Women’s Council of Realtors, National Association of Realtors and Young Professionals of Naples. Patrick also qualified for 'Presidents Club' and the ‘Gold Award’ at former companies for achievement in Real-Estate. He was awarded the ‘Superior Sales Award’ from the WCR for 2005 and is listed in ‘Who’s Who in Luxury Real-Estate’. Patrick just finishes 3rd overall in sales for 2006 for John R Wood Uptown office. Patrick donated a portion of all his earned commissions in 2005 to the Red Cross (and directly to the victims in Florida). He also donated to the Sunshine Kids and Habitat for Hummanity in 2006. Patrick donates time and resources to Goodwill, The American Cancer Society, The Salvation Army, and gives blood regularly. He has pledged to donate a portion of all earned commissions in 2007 to go to the Eductation Foundation of Collier County 'Take Stock in Children' program.

Patrick’s family is his greatest strength and they support him every day. “My wife Lisa, step daughter Melody and son Cooper are WHY I work hard and continue to find ways to grow-not only as a Realtor, but as a husband, father and human being. My mother and father raised me the right way and taught me to always “be humble and thankful for each day and for all the blessings I have. As I look at my family, I am truly blessed!” He and his family belong to St. Monica’s Episcopal Church which they enjoy attending regularly.

Patrick is a true professional in both his personal and professional life. “Success is looking at yourself in the mirror each day and liking what you see. Enjoying your family EVERYDAY, being thankful for all the blessings I have EVERYDAY and trying to be a better REALTOR®, husband and father, and human being each and everyday!”

Hopefully all of us can catch the ‘Patrick Dearborn Buzz and, as Patrick says, ”continue to appreciate what we have here in SWFLA..paradise!”

Contact Patrick at: John R. Wood Realtors 2600 Inmokalee Rd. Naples, FL 34110 239-598-0059 pdearborn@johnrwood.com

Equal HousingMLSREALTORRELOwcr






www.iloveNaplesFLA.com is brought to you by Patrick Dearborn, P.A.
NUMBER1EXPERT™ for Naples real estate FL, North Naples real estate and Bonita Springs real estate, Florida, Beachfront Homes, Gated Communities

Read My Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge




USA and Canada Real Estate - NUMBER1EXPERT
NUMBER1EXPERT™
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.



This Naples, North Naples and Bonita Springs Florida web site is brought to you by Patrick Dearborn, P.A., REALTOR®















Return to Top > Beachfront Homes, Gated Communities