Buyers Tips

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How much house can you afford?
Simply put, you can afford a house that costs as much as the largest monthly mortgage payment you qualify for.

A quick way to estimate the size of mortgage you qualify for is to take your gross monthly income (that's before taxes and other deductions) and multiply it by .28. This works out to just over 1/4 of your gross income.

Mortgage companies use something called qualifying ratios to determine how much they'll lend you. Most mortgage companies use either a 28/36 ratio or a 25/33 ratio. The first number in each pair is the percentage of your gross income that the lender would consider acceptable as a monthly mortgage payment (i.e. if you make $3,000 per month, 28% of that is $840 per month).

The second number in each pair is used when all debt payments are considered, not just the mortgage. (i.e. if you make $3,000 per month, but also have a $250 a month car payment, 36% of $3,000 is $1,080, minus the $250 car payment equals $830).

As you can see, in this example the numbers work out to be almost the same. Obviously if you have more debt you would qualify for less.

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MLS# Use commas between MLS numbers. ADDRESS (PARTIAL) PRICE Any price 25,000 50,000 75,000 100,000 125,000 150,000 175,000 200,000 225,000 250,000 275,000 300,000 325,000 350,000 375,000 400,000 425,000 450,000 475,000 500,000 525,000 550,000 575,000 600,000 625,000 650,000 675,000 700,000 725,000 750,000 775,000 800,000 825,000 850,000 875,000 900,000 925,000 950,000 975,000 1,000,000 1,025,000 1,050,000 1,075,000 1,100,000 1,125,000 1,150,000 1,175,000 1,200,000 1,225,000 1,250,000 1,275,000 1,300,000 1,325,000 1,350,000 1,375,000 1,400,000 1,425,000 1,450,000 1,475,000 1,500,000 1,525,000 1,550,000 1,575,000 1,600,000 1,625,000 1,650,000 1,675,000 1,700,000 1,725,000 1,750,000 1,775,000 1,800,000 1,825,000 1,850,000 1,875,000 1,900,000 1,925,000 1,950,000 1,975,000 2,000,000 2,025,000 2,050,000 2,075,000 2,100,000 2,125,000 2,150,000 2,175,000 2,200,000 2,225,000 2,250,000 2,275,000 2,300,000 2,325,000 2,350,000 2,375,000 2,400,000 2,425,000 2,450,000 2,475,000 2,500,000 2,525,000 2,550,000 2,575,000 2,600,000 2,625,000 2,650,000 2,675,000 2,700,000 2,725,000 2,750,000 2,775,000 2,800,000 2,825,000 2,850,000 2,875,000 2,900,000 2,925,000 2,950,000 2,975,000 3,000,000 3,025,000 3,050,000 3,075,000 3,100,000 3,125,000 3,150,000 3,175,000 3,200,000 3,225,000 3,250,000 3,275,000 3,300,000 3,325,000 3,350,000 3,375,000 3,400,000 3,425,000 3,450,000 3,475,000 3,500,000 3,525,000 3,550,000 3,575,000 3,600,000 3,625,000 3,650,000 3,675,000 3,700,000 3,725,000 3,750,000 3,775,000 3,800,000 3,825,000 3,850,000 3,875,000 3,900,000 3,925,000 3,950,000 3,975,000 4,000,000  to  Any price 25,000 50,000 75,000 100,000 125,000 150,000 175,000 200,000 225,000 250,000 275,000 300,000 325,000 350,000 375,000 400,000 425,000 450,000 475,000 500,000 525,000 550,000 575,000 600,000 625,000 650,000 675,000 700,000 725,000 750,000 775,000 800,000 825,000 850,000 875,000 900,000 925,000 950,000 975,000 1,000,000 1,025,000 1,050,000 1,075,000 1,100,000 1,125,000 1,150,000 1,175,000 1,200,000 1,225,000 1,250,000 1,275,000 1,300,000 1,325,000 1,350,000 1,375,000 1,400,000 1,425,000 1,450,000 1,475,000 1,500,000 1,525,000 1,550,000 1,575,000 1,600,000 1,625,000 1,650,000 1,675,000 1,700,000 1,725,000 1,750,000 1,775,000 1,800,000 1,825,000 1,850,000 1,875,000 1,900,000 1,925,000 1,950,000 1,975,000 2,000,000 2,025,000 2,050,000 2,075,000 2,100,000 2,125,000 2,150,000 2,175,000 2,200,000 2,225,000 2,250,000 2,275,000 2,300,000 2,325,000 2,350,000 2,375,000 2,400,000 2,425,000 2,450,000 2,475,000 2,500,000 2,525,000 2,550,000 2,575,000 2,600,000 2,625,000 2,650,000 2,675,000 2,700,000 2,725,000 2,750,000 2,775,000 2,800,000 2,825,000 2,850,000 2,875,000 2,900,000 2,925,000 2,950,000 2,975,000 3,000,000 3,025,000 3,050,000 3,075,000 3,100,000 3,125,000 3,150,000 3,175,000 3,200,000 3,225,000 3,250,000 3,275,000 3,300,000 3,325,000 3,350,000 3,375,000 3,400,000 3,425,000 3,450,000 3,475,000 3,500,000 3,525,000 3,550,000 3,575,000 3,600,000 3,625,000 3,650,000 3,675,000 3,700,000 3,725,000 3,750,000 3,775,000 3,800,000 3,825,000 3,850,000 3,875,000 3,900,000 3,925,000 3,950,000 3,975,000 4,000,000

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