Live weekly rates, so your budget matches this week's market, not last quarter's.
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Lenders size your loan with two DTI tests. You get both here, plus the stretch ceiling, so no loan office surprises you.
Before tax. Everyone on the loan, combined.
Car payments, student loans, card minimums. Not rent or utilities.
Just the down payment. Keep closing costs separate.
Selling a home first? Include what you expect to walk away with after the sale. Most buyers here do. Not sure of your number? Get your equity report, free.
30 year fixed. Type your lender quote if you have one.
The lower of the two lender tests below. This is the number that usually decides your loan.
Type your income and the math starts.
, PMI included
Housing takes 28 percent of your income before tax. Room left to save and live.
, PMI included
Housing plus your other debts stay under 36 percent. The test most lenders lean on.
, PMI included
The usual qualified-mortgage ceiling, with all debts counted. Approved is not the same as comfortable.
Lenders decide. This shows the math they use.
Every payment above includes principal, interest, property tax at 1.2 percent, insurance, and PMI when your down payment is under 20 percent. 30 year fixed.
Two questions usually come next. Both take about a minute.
Kurt picks up. He will run the real numbers on any home you are watching, no strings on the call.
Call Kurt at 805-796-1793 ← All buyer tools