{"id":12564,"date":"2010-10-03T23:29:19","date_gmt":"2010-10-03T23:29:19","guid":{"rendered":"http:\/\/template.lenderama.com\/?p=504"},"modified":"2010-10-03T23:29:19","modified_gmt":"2010-10-03T23:29:19","slug":"how-much-can-i-afford","status":"publish","type":"post","link":"https:\/\/dev203k.orbitwebx.com\/dev203k\/how-much-can-i-afford\/","title":{"rendered":"How Much Can I Afford?"},"content":{"rendered":"<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-21064 size-full\" title=\"finance\" src=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/photodune-538052-woman-using-computer-in-kitchen-xs.jpg\" alt=\"finance\" width=\"550\" height=\"364\" srcset=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/photodune-538052-woman-using-computer-in-kitchen-xs.jpg 550w, https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/photodune-538052-woman-using-computer-in-kitchen-xs-300x199.jpg 300w, https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/photodune-538052-woman-using-computer-in-kitchen-xs-530x351.jpg 530w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/p>\n<p><strong>How much mortgage money can I qualify to borrow?<\/strong><\/p>\n<p>This is typically the number one question <a title=\"HUD\" href=\"http:\/\/www.HUD.gov\" target=\"_blank\" rel=\"noopener\">mortgage professionals <\/a>are asked by new clients.<\/p>\n<p>Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***<strong>can<\/strong>*** borrow and what they ***<strong>should<\/strong>*** borrow.<\/p>\n<p>In other words, what makes for a comfortable long-term <a title=\"Conventional vs VA mortgage loan\" href=\"http:\/\/mortgagedaily.tv\/2013\/04\/25\/conventional-jumbo-vs-va-jumbo-loans-in-texas\/\" target=\"_blank\" rel=\"noopener\">mortgage payment<\/a>?<\/p>\n<p><strong>The Quick Answer:<\/strong><\/p>\n<blockquote><p>If we&#8217;re simply considering the financial math, lenders will calculate your <a href=\"\/whats-my-debt-to-income-dti-ratio\/\">Debt-to-Income Ratio<\/a> and generally allow for 28-31% of your gross income to be used for the new house payment with up to 43% of your <a title=\"calculating debt in dallas texas\" href=\"http:\/\/dallashomegroup.com\/what-mortgage-can-i-afford\/\" target=\"_blank\" rel=\"noopener\">gross income <\/a>to be used for all consumer related debts combined.<\/p><\/blockquote>\n<p style=\"padding-left: 30px;\"><strong>Sample Mortgage Scenario:<\/strong><\/p>\n<p style=\"padding-left: 30px;\">Let&#8217;s use a gross monthly income of $3000 and a qualifying factor of 30% <a href=\"\/whats-my-debt-to-income-dti-ratio\/\">Debt-to-Income Ratio<\/a>:<\/p>\n<p style=\"padding-left: 60px;\"><strong>$3000 multiplied by .3 (30%) = $900 max monthly mortgage payment<br \/>\n<\/strong><\/p>\n<p style=\"padding-left: 30px;\">This means that your mortgage payment (<a href=\"\/how-do-i-calculate-my-mortgage-payment-without-using-a-mortgage-calculator\/\">Principal, Interest<\/a>, Taxes, <a href=\"\/shopping-for-a-hazard-insurance-policy\/\">Hazard Insurance<\/a>) cannot exceed $900 a month.<\/p>\n<p><strong>&#8220;Ballparking&#8221; a Qualifying Loan Amount:<\/strong><\/p>\n<p style=\"padding-left: 30px;\">Simple step: \u00a0We use a safe average of $7 per month in payment for every $1000 in purchase price so&#8230;<\/p>\n<p style=\"padding-left: 60px;\"><strong>Step 1)\u00a0 $900 a month divided by $7 = $128.50<\/strong><\/p>\n<p style=\"padding-left: 60px;\"><strong>Step 2) $128.50 multiplied by 1000 = $128,500 loan amount. <\/strong><\/p>\n<p style=\"padding-left: 30px;\">Remember, these are average ratios and guidelines set by most lenders for common <a href=\"\/loan-programs\/\">mortgage programs<\/a>.<\/p>\n<p style=\"padding-left: 30px;\">Keep in mind, while most consumer debts are listed on a <a href=\"\/mortgage-101\/understanding-credit\/\">credit report<\/a>, there are some additional monthly liabilities that may contribute to the overall qualifying percentages as well.<\/p>\n<p style=\"padding-left: 30px;\">Regardless of how your personal income and credit scenarios factor in, it is important to consider your overall budget when trying to determine how much of a mortgage you should qualify for.<\/p>\n<p><strong>Other items to consider in your monthly budget:<\/strong><\/p>\n<p style=\"padding-left: 30px;\">1. Confirm all debts are taken into account<br \/>\n2. Any private notes or family loans<br \/>\n3. Short-term expenses &#8211; medical, auto repairs, travel, emergencies<br \/>\n4. Plan on additional expenses for the home such as water, electric, maintenance, etc&#8230;<br \/>\n5. Keep a cushion for savings and financial planning<\/p>\n<p style=\"text-align: center;\">It&#8217;s important to know how much you can afford before getting under contract for a new home.\u00a0 Call me today and let&#8217;s walk through the pre-approval process to determine how much you can afford.<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #c0c0c0;\">_____<\/span><span style=\"color: #c0c0c0;\">___________________________<\/span><\/p>\n<h2>Related Articles &#8211; Mortgage Approval Process:<\/h2>\n<ul>\n<li><strong><a href=\"\/top-mortgage-terms-to-know\/\">Basic Mortgage Terms<\/a><\/strong><\/li>\n<li><strong><a href=\"\/common-documents-required-for-a-mortgage-pre-approval\/\">Common Documents Required For A Mortgage Pre-Approval<\/a><\/strong><\/li>\n<li><strong><a href=\"\/top-8-things-to-ask-your-lender-during-the-application-process\/\">Top 8 Questions To Ask Your Lender During Application Process<\/a><\/strong><\/li>\n<li><strong><a href=\"\/whats-the-difference-between-a-single-family-second-home-and-investment-property\/\">What&#8217;s The Difference Between An Investment Property, Second Home and Primary Residence?<\/a><\/strong><\/li>\n<li><strong><a href=\"\/seven-things-your-agent-should-know-about-your-mortgage-approval\/\">Seven Items Real Estate Agents Need To Know About Your Mortgage Approval<\/a><\/strong><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[58],"tags":[84],"class_list":["post-12564","post","type-post","status-publish","format-standard","hentry","category-mortgage","tag-mortgage-rates"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Much Can I Afford?<\/title>\n<meta name=\"description\" content=\"Of critical importance when considering mortgage financing: There is sometimes a difference between what a client can borrow and what they should borrow\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/how-much-can-i-afford\/\" \/>\n<meta property=\"og:locale\" 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