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How much can your afford?
How much can you afford?
Deciding how much house you can afford is a personal
decision. Many factors come into play. How much can I
borrow? How much can I put toward my down payment? What size
monthly payment can I afford?
There are no black and white answers to these questions. Its
a matter of give and take. If you plan on a 30 year
mortgage, you can probably make a lower down payment (or
perhaps no down payment at all) and still manage the monthly
payments. If, on the other hand, you plan on a 15 year
mortgage, you'll probably want to make a larger down payment
to keep your monthly payments in line with what you can
How large a down payment can I make?
Many buyers look at their cash on hand as their only source
for their down payment. This simply is not the case. One way
to fund or partially fund a down payment is by using a gift.
Parents, grandparents and other family members are often
eager to help by making a cash gift toward the purchase of
There are also down payment assistance charities that can
help you. And, of course, if you are selling a home, the
equity you've built up can be applied to your down payment.
But these are not your only options. We can help you explore
all your down payment options, including low down payment
and 100% mortgage financing options that might be right for
What size monthly payment can I afford?
When determining what size monthly payment you can afford,
you'll want to consider what other monthly expenses you have.
Tangible expenses such as car payments, day care and utility
bills, all play a role in how large a monthly payment you
There are also the intangible expenses or lifestyle expenses
that you'll want to consider. Things such as dining out,
travel and when you buy your next car can effect how much
you can afford. Are you willing to curtail or delay some of
these expenses in order to afford a larger monthly payment?
How much can I borrow?
This is a question you'll want to get answered before you
begin your home search. This is something that were here to
help you with.
We can answer any questions you may have about the mortgage
process. But the best way we can help is by getting you
pre-qualified for a mortgage loan. To get started, simply
complete the form below to let us know a good time to
contact you. We look forward to helping you buy your dream
Illinois Main Office
230 S Buchanan St, Ste A
Edwardsville, IL 62025
Toll-Free: (800) 965-0125
Fax: (800) 771-6925
620 Bypass Drive
Clearwater, FL 33764
Fax: (314) 735-1250
250 Congress St
Mobile, AL 36603
Fax: (251) 545-4935
1430 Washington Ave, Ste 219
St. Louis, MO 63103
Phone: (314) 658-4534
232 Martket Street, Suite 232
Flowood, MS 39232
Phone: (601) 564-4500
3543 Tom Watson Drive
Saltillo, MS 38866
Phone: (662) 762-4499
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HOME LENDING USA, LLC
230 S. Buchanan Street, Ste A
Edwardsville, IL 62025
(800) 965-0125 · (618) 659-8500
NMLS corporate identifier: 71983 -
Verify license status of all companies, branches and individuals at
Alabama Consumer Credit License #21842;
Arkansas Residential Mortgage Lending Act License #71983; Florida Mortgage Lender License #MLD906;
Colorado Mortgage Lender License #71983; Georgia
Mortgage Lender License #36496; Illinois Residential Mortgage Licensee MB.6760542; Maryland Residential Mortgage
Lender Licensee 21919; Missouri Residential Mortgage Licensee 12-1661-A;
Licensed by the Mississippi Department of Banking and Consumer
Finance Licensed Mortgage Company
Tennessee Mortgage License #117669;
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without notice. Other restrictions may apply.
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