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.
Bellingham Budget Explorer →
Where your property taxes actually go — an interactive breakdown of the City of Bellingham and school-district budgets, with a what-if simulator.
Real Estate Glossary →
Every term you will hit buying or selling in Washington, defined in plain English, with links to go deeper.
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