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Determining what homes fall into your range of affordability is a simple process for any knowledgeable loan officer. Many factors are considered, including your monthly income, debts, assets, and current interest rates.

After taking your loan application and running your credit, your loan officer will compute the interest rate that you qualify for. Your credit score, the type of property you are buying, and the type of loan program all change the interest rate you will get. In addition they will calculate your debt-to-income ratio (DTIR), which is calculated by dividing your monthly income by your monthly payments. A good debt to income ratio will be below 40% - although many loan programs allow for slightly higher ratios.

Using your debt-to-income ratio and your interest rate, your loan officer can calculate the new mortgage payment that you can qualify for, and then what home price you can start looking for!

We can put you in touch with some highly recommended loan officers who will get you pre-approved for your new home. Please contact us to get the process started!

Mortgage Rates Drop Dramatically

Thu, Apr 10: In an unforeseen dramatic day in the mortgage markets, rates have dropped significantly, without any certain cause, other than massive trading by investors.  The average 30 year rate is now down to 4.35% on 30-year fixed loans (down from about... More

Mortgage Rates Higher after Today's Fed Meeting

Wed, Mar 19: Average mortgage rates are up to about 4.5% after the Federal Reserve meeting today.  Investors were slightly surprised to hear that six members of the Fed changed their expectation of when and how much the Federal Reserve Rate will be adjuste... More

Spring is Right Around the Corner

Fri, Feb 28: Spring and the hottest time for real estate will be here in a couple months, which means that if you are planning on buying or selling property, it's time to start preparing! Planning on buying? Many sellers wait to list their properties unti... More

Rental Prices Too High, Harvard Study Says

Sat, Dec 21: A recent study by Harvard's Joint Center for Housing Studies has reported a rising price trend in rent - reporting prices that are approaching unaffordable in many markets. According to the study, a huge number of homeowners left their underwat... More

Mortgage Rules Changes for 2014

Thu, Nov 21: The Consumer Financial Protection Bureau's (CFPB) new mortgage regulations go into effect in January, and will significantly affect buyers across the country. The new rules are called "QM", short for Quality Mortgage, and are a result o... More

How the Government Shutdown is Affecting Housing

Sun, Oct 13: There was a lot of speculation about what would happen to mortgage rates and home prices in the midst of a government shutdown, and now that we are in the middle of one, it's easy to see what has changed - and it's not too much. Mortgage Ra... More

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