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More than 50 killed in 2 days of turmoil in Syria (AP) 1/27/2012 12:48 PM

This citizen journalism image provide by the Local Coordination Committees in Syria and released early Friday Jan. 27, 2012, purports to show a Syrian man, right, mourning over the dead body of his son, who was shot by the Syrian forces, in Idlib province, Syria, on Thursday Jan. 26, 2012. A 'terrifying massacre' in the restive Syrian city of Homs has killed more than 30 people, including small children, in a barrage of mortar fire and attacks by armed forces loyal to President Bashar Assad, activists said Friday. (AP Photo/Local Coordination Committees in Syria) EDITORIAL USE ONLY, NO SALES, THE ASSOCIATED PRESS IS UNABLE TO INDEPENDENTLY VERIFY THE AUTHENTICITY, CONTENT, LOCATION OR DATE OF THIS HANDOUT PHOTOAP - In two days of bloody turmoil in Syria, more than 50 people were killed as forces loyal to President Bashar Assad shelled residential buildings, fired on crowds and left bleeding corpses in the streets in a dramatic escalation of violence, activists said Friday.


California passes new auto emission rules (AP) 1/27/2012 1:44 PM

Map shows states that have adopted California clean car standardsAP - California air regulators passed sweeping auto emission standards Friday that include a mandate to have 1.4 million electric and hybrid vehicles on state roads by 2025.


Analysis: Romney is fiery, focused in Fla. Debate (AP) 1/27/2012 6:11 AM

Republican presidential candidates, former House Speaker Newt Gingrich and former Massachusetts Gov. Mitt Romney talk during a commercial break at the Republican presidential candidates debate in Jacksonville, Fla., Thursday, Jan. 26, 2012. (AP Photo/Matt Rourke)AP - Mitt Romney, forced to prove his resilience after a stinging loss in South Carolina, is showing why the so-called Republican establishment thinks he has the best discipline, organization and campaign smarts to challenge President Barack Obama this fall.


Activists and bloggers fear Twitter censorship (AP) 1/27/2012 11:38 AM

This screen shot shows a portion of the Twitter blog post of Thursday, Jan. 26, 2012, in which the company announced it has refined its technology so it can censor messages on a country-by-country basis. The additional flexibility is likely to raise fears that Twitter's commitment to free speech may be weakening as the short-messaging company expands into new countries in an attempt to broaden its audience and make more money. But Twitter sees the censorship tool as a way to ensure individual messages, or 'tweets,' remain available to as many people as possible while it navigates a gauntlet of different laws around the world. (AP Photo/Twitter)AP - Bloggers and activists from China, the Middle East and Latin America said Friday they were afraid that new Twitter policies could allow governments to censor messages, stifling free expression.


Economy grew 2.8 pct. in Q4, but outlook is hazy (AP) 1/27/2012 10:54 AM

FILE - In this Aug. 30, 2011 file photo, 2011 Chevrolet Malibus are lined up at a car dealership in San Jose, Calif. The U.S. economy grew at a 2.8 percent annual rate in the final three months of last year, the fastest growth in 2011, according to the Commerce Department, Friday, Jan. 27, 2012. Americans spent more on cars and trucks, and companies restocked their shelves at the strongest pace in nearly two years. But growth in the October-December quarter — and all of last year — was held back by the biggest annual government spending cuts in four decades. (AP Photo/Paul Sakuma, File)AP - The economy grew late last year at a pace that in normal times would suggest it's healthy.


US Embassy: US citizen kidnapped in Nigeria freed (AP) 1/27/2012 12:38 PM
AP - A U.S. citizen kidnapped by gunmen in Nigeria's oil-rich southern delta has been freed after a week in captivity, the U.S. Embassy said Friday.
St. Louis hosts 1st big parade on Iraq War's end (AP) 1/27/2012 11:40 AM

Niliah Banks, foreground, works with other students in her fifth grade class at Ross Elementary create hand-made signs Wednesday, Jan. 25, 2012, in Creve Coeur, Mo. The signs will be used when St. Louis hosts a 'Welcome Home the Heroes from Iraq Day' on Jan. 28 with a noontime parade through downtown to welcome veterans of the war in Iraq. (AP Photo/Jeff Roberson)AP - Since the Iraq War ended there has been little fanfare for the veterans returning home. No ticker-tape parades. No massive, flag-waving public celebrations.


Tubby tabby gets revolutionary new knee joint (AP) 1/27/2012 1:38 PM

Cyrano lies on a table during a news conference at North Carolina State University in Raleigh, N.C., on Wednesday, Jan. 25, 2012. The 10-year-old tabby from Upperville, Va., received a groundbreaking total knee replacement on Thursday. In the background, from left to right, are engineer Ola Harrysson, surgeon Denis Marcellin-Little and handler Crystal Ritenour. (AP Photo/Allen Breed)AP - Because Cyrano weighs more than 20 pounds, amputating his cancer-weakened leg was out of the question. So the tubby tabby's owners turned to doctors and engineers at North Carolina State University to get him back into mice-catching trim.


Friend says on 911 call Demi Moore was convulsing (AP) 1/27/2012 1:13 PM

FILE - In this Oct. 17, 2011 file photo, actress Demi Moore attends the premiere of 'Margin Call' in New York. A spokeswoman for Moore on Tuesday, Jan. 24, 2012 said the actress is seeking professional help to treat her exhaustion and improve her health. (AP Photo/Peter Kramer, File)AP - Demi Moore smoked something before she was rushed to the hospital on Monday night and was convulsing and "semi-conscious, barely," according to a caller on a frantic 911 recording released Friday by Los Angeles fire officials.


Djokovic edges Murray, sets up final vs Nadal (AP) 1/27/2012 11:01 AM

Novak Djokovic of Serbia celebrates after defeating Andy Murray of Britain during their semifinal at the Australian Open tennis championship, in Melbourne, Australia, early Saturday, Jan. 28, 2012. (AP Photo/Andrew Brownbill)AP - Novak Djokovic overcame his breathing problems and fatigue to beat friend Andy Murray 6-3, 3-6, 6-7 (4), 6-1, 7-5 Friday in a nearly five-hour Australian Open semifinal.



Welcome to Genesis Realty Group


 

 

Welcome to Genesis Realty Group, your source for Creative Real Estate Services in Metro Detroit, surrounding Suburbs, Southeast Michigan and throughout the Great Lakes State.

In today's competitive real estate market, timing is everything.  Many good homes are sold before they are ever advertised. Beat other homebuyers to the hottest new homes for sale in Southeast Michigan with our New Listings Notification

 If you own real estate that you're thinking of selling, we would be happy to provide you with a FREE Home Evaluation.

 

Whether you are buying or selling a home, hire a company like ours, who wants to earn your business. We invite you to contact us as we would be happy to assist you with this important transaction.

In addition, if you have any general questions about buying or selling real estate in Michigan, please contact us as we are more than willing to help.

Please browse our website for listings, reports and important local real estate information.

Sincerely,

Michael Sonntag

Broker / Owner

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:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  


Calculators


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
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
0.43%of Cost
Annual Property Tax:  $  
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Optional
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $

Results
  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:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  


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