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To find the right mortgage for your financial situation, use our mortgage calculator as a guide to figure out your estimated monthly payments, interest and principal rates, and the length of the mortgage.

Generally, a mortgage payment consists of PITI: Principal, Interest, Taxes, and Insurance. Principal is the monthly payback of the loan amount; Interest is the monthly payment of the cost to borrow the principal amount; Taxes consist of Real Estate taxes, which is paid to a local government agency; and Insurance deals with Homeowners insurance and any mortgage insurance (paid to protect the mortgage company). Buyers should also be aware that there are many types of mortgages, two of the most popular mortgages are: fixed and adjustable. Fixed mortgages have fixed interest rates and terms (e.g., 15 or 30 years). Principal payment and interest won?t change during the term, and both the interest rate and term are determined at the beginning of the mortgage. Adjustable mortgage rates, or ARM, are different from fixed mortgages in that the interest rate will go up or down depending on the current interest rate levels. The same can be said about the monthly principal and interest payments.
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* (30 years = 360 months, 25 years = 300 months, 20 years = 240 months) Please use any above calculated results as a guide. Receive the actual payment schedule from your lender in writing. This calculator works only if your browser supports Javascripts.
"Gerry Ziegelhofer : Your New Tampa Real Estate Expert"
Gerry Ziegelhofer, Local Real Estate Expert in New Tampa Florida
Gerry Ziegelhofer
Direct: (813) 264-0203

Coldwell Banker Residential Real Estate
14502 N. Dale Mabry Hwy. Suite 100
New Tampa, FL 33618
Gerry Ziegelhofer has a whole office full of awards and special designations, but she knows that potential clients don't really care how much you know until they know how much you care. That's why Gerry's simple philosophy is: "Treat others as I would like to be treated." By setting the standard for personal and professional ethics, Gerry has an extremely loyal following of clients that has led to a staggering 80% of her business coming from referrals and repeat business.

A resident of Hillsborough County since 1976 and a full-time licensed Realtor since 1987, Gerry specializes in residential-relocation sales. Gerry was born and raised in Saratoga Springs, N.Y. She attended Murray State University in Murray, KY, where she earned a Bachelor of Arts in Music Education. Prior to entering real estate, Gerry worked as an elementary music teacher in the Hillsborough County School system.

Today, Gerry specializes in nearly all aspects of the residential real estate industry. But in reality, she specializes in people. If you want to read what Gerry's clients have to say about her, or hear more about her awards, click here. Otherwise, call Gerry today for a free consultation. It may be the best move you've ever made.

Awards & Testimonials If you are ready to purchase a new home and want a private consultation, or are interested in selling your home, please call Gerry today at (813) 264-0203 or email