Licensed Real Estate Salesperson

Raymond Smith

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Raymond Smith
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Home
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Contact
About Raymond

I believe in transparency, patience, and listening first—because the best deals are built on trust.

Raymond Smith

What can you afford?

Use this quick calculator to estimate your monthly mortgage payment and explore financing options.

Total monthly payment

$3,992

$3,792 principal & interest, plus taxes, insurance and fees.

Loan amount

$600,000

80% LTV

Total interest

$765,267

over the full term

Loan Details

%
%

Payment Breakdown

Principal & Interest$3,792
Property Tax$0
Insurance$200
HOA / Common Charges$0
Total Monthly Payment
$3,992

Loan Summary

Loan Amount
$600,000
Down Payment
$150,000
Loan Term
30 years
Total Interest Paid
$765,267
Total Cost of Loan
$1,365,267
Loan-to-Value (LTV)
80.0%

Amortization Schedule

YearPaymentPrincipalInterestTotal InterestBalance
1$45,509$6,706$38,803$38,803$593,294
2$45,509$7,155$38,353$77,156$586,138
3$45,509$7,635$37,874$115,030$578,503
4$45,509$8,146$37,363$152,393$570,357
5$45,509$8,692$36,817$189,210$561,666

How I work

No guesswork. Just the right moves in Setauket, Stony Brook, and Old Field.

1

1Listen and plan

I sit down with you—no sales pitch, just questions—about what you need, when you need it, and what matters most in this market. No assumptions, just the facts of Setauket, Stony Brook, or Old Field.

2

2Market insight

I pull hard numbers on what’s selling on Lower Sheep Pasture Road, what’s lingering on Nicolls Road, and what buyers are actually paying in Old Field. No fluff, just the comps that move properties here.

3

3Negotiate with care

I handle the back-and-forth so you don’t have to—whether it’s a bidding war in Stony Brook or a seller pushing back in East Setauket. Your interests stay front and center, no drama.

4

4Close with confidence

I make sure every i is dotted and every t is crossed before you sign. From the title search to the final walkthrough, nothing slips through the cracks in this town.

Ready to get started?

Let’s talk about your real estate goals

I’m available to meet in person or chat by phone at your convenience.

Schedule a consultation→
Raymond Smith
631.751.6000RAY.SMITH@ELLIMAN.COM

300 Main St, East Setauket, NY 11733

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