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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!

The Good Unemployment Data Report is Good for Real Estate, and the Economy Overall

Thu, Jul 03: Since tomorrow is the 4th of July holiday, the unemployment data report came out today - and the numbers were good! Unemployment continues to drop, and there are more new jobs in the economy that predicted. Overall this is great news for our recove... More

Mortgage Rates Hold Steady After Fed Meeting

Wed, May 21: Mortgage rates continue to hold right around 4%, even after today's Fed meeting discussing future rate hikes to help further normalize the economy. One of the key points in the meeting minutes was that rate hikes will not come soon, but no time... More

Employment, Russia, and Mortgage Rates

Mon, May 05: On Friday, The US Department of Labor released employment data, showing that the unemployment rate fell from 6.7% to 6.3% for April, which is great news for the economy - see the chart below. Many people are celebrating the fact that employment figue... More

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

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