Free, no sign-up required. By Genaro Shaffer, Bellwether Real Estate.
A full set of calculators and resources built to answer the questions buyers, sellers, and investors ask me most. Run the numbers yourself — no email gate, no obligation.
For buyers
How Much House Can You Afford? →
Work backward from your income, debts, and down payment to the highest price your budget reasonably supports.
Mortgage Payment Calculator →
Your full monthly payment — principal, interest, property tax, insurance, and HOA — plus total interest over the loan.
Closing-Cost Estimator →
Itemized buyer closing costs and total cash to close. (In WA, the seller pays the excise tax — so it’s not a buyer cost.)
Rent vs. Own Calculator →
The real multi-year cost of renting vs. buying, including equity and a breakeven point.
Extra-Payment / Payoff Calculator →
See how a little extra each month cuts years and tens of thousands in interest off your loan.
For sellers
Seller Financing Calculator →
My specialty. Monthly payment, interest, and balloon payoff on an owner-carried note — the path that closes a deal when a bank won’t.
REET + Seller Net Proceeds →
Washington’s graduated excise tax by price and county, plus your estimated net proceeds after payoff, commission, and costs.
What’s My Home Worth? →
A fast estimate from recent comparable sales, with the option of a full broker-prepared CMA.
For investors
Rental Property / Cap-Rate Calculator →
NOI, cap rate, monthly cash flow, and cash-on-cash return on a Whatcom County rental.
Relocating + market
California → Bellingham Equity Reset Calculator →
What your California equity unlocks here: net proceeds, cash remaining, and 20-year tax savings.
Whatcom Market Report →
Where the market stands now — median prices, days on market, inventory, and what it means. Updated monthly.
Talk to Genaro
Questions about any of these numbers? That’s exactly the conversation I like to have.
📞 (360) 389-6616 — call or text ✉️ genaro@bellwetherrealestate.com — email 📩 Contact form — send a note
Don’t go generic. Go with Genaro.
Genaro Shaffer · Licensed WA Real Estate Broker #27119 · Bellwether Real Estate · 11+ years · 67+ closed transactions · 5.0 stars on Zillow 📞 (360) 389-6616 · ✉️ genaro@bellwetherrealestate.com Powered by Bellwether Real Estate · Member NWMLS · Equal Housing Opportunity