How Much Home Can You Actually Afford?
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How Much Home Can You Actually Afford?
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About this listen
Getting pre-approved for a certain amount doesn't mean you should spend it. In this episode, Scott breaks down the real math behind affordability — including the Debt-to-Income ratio lenders actually use — and why the number that lets you sleep at night is more important than the number the bank hands you.
What you'll learn:
- Why online affordability calculators like Zillow's can't actually tell you what you can afford
- What DTI is, how it's calculated, and why 43% is the number to know
- How paying off one debt before you apply can dramatically change what you qualify for
- The difference between qualifying for a loan and being comfortable with the payment
- A three-layer framework for setting your own affordability ceiling
Next episode: Pre-Approval — What It Is, What It Isn't, and Why You Need It Before You Make an Offer
Follow the show on Instagram: @SignedandFunded
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