Debra J. Woodworth SFR
Building a Reputation, Not Resting on One!!!

Welcome to Keller Williams Greater Cleveland South East



My name is Debra J. Woodworth, thank you for visiting my website and welcome to Keller Williams GCSE. I have been licensed Realtor in the state of Ohio since 2007 and I am eager to assist you in finding a home that fulfills your needs. I was raised in Mentor, Ohio where I taught for seven years. My husband and I relocated to Ashtabula County in December 2000.  We currently reside in the Village of Jefferson, with our four children.

I would be honored to have the opportunity to speak with you about your housing desires and locations of interest. In today's competitive real estate market, timing is everything. Many good homes are sold before they are ever advertised. Beat other home buyers to the hottest new homes for sale in Ashtabula, Cuyahoga, Geauga, Lake and Trumbull Counties with my New Listings Notification

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

Whether you are buying or selling a home, hire someone like me, someone who cares about your complete satisfaction and will work hard to make your housing needs become a reality. I invite you to contact me as I'd be happy to assist you with this important transaction.

Many home owners are finding it difficult in this tough economy to pay their current mortgages and are facing foreclosure. I have completed special training in order to help inform home owners of the options that maybe available to them . Let me be your short sale "resource" for both buyers and sellers in the brokerage of distressed properties by working together. When working with sellers facing foreclosure let me be your guide through the process while you will always be in charge and responsible for any and all decisions to bring closure to stressful time.  Beware of individuals and companies who try to "sell" you a solution. These resources are free, you just need to know where to get them.

In addition, if you have any general questions about buying or selling real estate in Ohio, please feel free to contact me as I'm more than willing to help. Remember your satisfaction is most important to me as I am building a reputation, not resting on one.


Debra J. Woodworth- SFR

Keller Williams Greater Cleveland South East




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 Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
  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:
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %