how big of mortgage can i get

It’s a good idea to get your credit in order before you apply for a mortgage. First, check your credit report at one of the big three agencies, Equifax, Experian, and TransUnion.

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What's a rule of thumb to determine how much mortgage you can afford?. are rising and you wait to buy until you accumulate a bigger downpayment, you may .

Mortgage Affordability Calculator How much can you borrow? This tool will help you estimate how much you can afford to borrow to buy a home. We’ll work it out by looking at your income and your outgoings.

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This means that even if you are below the maximum age for a mortgage, its term could be limited by how old you are. For example, if you are 60 and want a mortgage that must be paid off before you reach 70, its term could be no more than ten years. You have a better chance.

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Many people will tell you that the rule of thumb is you can afford a mortgage that is two to two-and-a-half times your gross (aka before taxes) annual salary. And some say even higher. There are a ton of variables, and these are just loose guidelines.

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The usual rule of thumb is that you can afford a mortgage two to 2.5 times your annual income. That’s a $120,000 to $150,000 mortgage at $60,000. You also have to be able to afford the monthly.

 · FHA, VA, and USDA mortgage loans also enforce a maximum DTI near 45%. Jumbo mortgages stop around 40% DTI. Now, once the bank has found your maximum mortgage payment, it uses current mortgage rates to “back in” to a loan size, which tells you how much you can borrow.