For a complete picture, talk to a mortgage loan officer. Our mortgage loan officers can help you understand the important factors behind home affordability, as well as learn about the different types of mortgage loans. You can also see if you prequalify – which means you’ll have a better idea of how much you could afford.
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To determine ‘how much house can I afford,’ use the 36% rule, which states your monthly mortgage expenses and other debt payments shouldn’t exceed 36% of your gross monthly income.
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Once you know the home price you can afford, use our Mortgage Calculator to get an estimate of how much you could expect to pay monthly based on today’s rates. You can also use Rocket Mortgage to see what rate and monthly payment you’re approved for.
Get a more accurate estimate. Get pre-qualified by a local lender to see an even more accurate estimate of your monthly mortgage payment. You’ll also be ready to act fast when you find the perfect.
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See how much you can afford to spend on your next home with our Affordability Calculator. Calculate your affordability to see what homes fit into your budget.