How Much House Can You Buy on Your Budget?
Автор: Mortgages By Channing
Загружено: 2025-08-12
Просмотров: 45
Have Questions or Ready to get Pre-Approved? https://WorkwithChanning.com
⭐ Call or Text Me: My cell phone is 337-476-2653 I am happy to help. Let’s get you home!:)
⭐My Google Reviews: https://tinyurl.com/bayoureviews
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Top Resources
🏡 Louisiana First-Time Home Buyer Guide: https://bayou-mortgage.com/louisiana-...
📈Todays Rates 👉https://bayou-mortgage.com/louisiana/...
✖️ Mortgage Calculator https://bayou-mortgage.com/louisiana-...
✅ Live First-Time Homebuyer Class https://thebayoublueprint.com
How much house can I afford? In this video, I break down exactly how to figure out your true home buying budget — not just what the lender says you qualify for. Whether you’re a first-time homebuyer or thinking about moving up, I’ll walk you step-by-step through how lenders calculate your debt-to-income ratio (DTI), how different loan programs set limits, and how to make sure your payment fits comfortably into your budget.
You’ll learn:
🏠 The difference between qualifying and affording a home
💰 How lenders use your gross monthly income vs. your take-home pay
📄 What counts as “monthly debt” (and what doesn’t)
📊 FHA vs. USDA vs. Conventional loan limits for DTI
📉 How interest rates and loan type impact your buying power
🧮 Examples of real-world calculations so you can estimate your price range today
📌 Next Step: Want me to personally walk you through your numbers? Book a free 10-minute Home Affordability Strategy Call here: https://workwithchanning.com
⏱ Timestamps:
00:00 – How much can I afford?
00:17 – Lender approval vs. real budget
01:07 – Setting your own limit
01:27 – How lenders decide
01:49 – Gross vs. net income
02:15 – Income types explained
03:00 – What is DTI?
03:20 – Debts lenders count
04:08 – Child support & alimony
04:22 – Collections & student loans
05:15 – Loan program DTI limits
06:29 – USDA rules
07:08 – FHA & Conventional rules
07:36 – Payment example
08:27 – Front-end vs. back-end
08:52 – USDA vs. FHA example
09:19 – Budget vs. approval recap
09:36 – How to get help
Song: LAKEY INSPIRED - Chill Day (Vlog No Copyright Music)
Music provided by Vlog No Copyright Music.
Video Link: • LAKEY INSPIRED - Chill Day (Vlog No Copyri...
Channing Moore
Owner, Bayou Mortgage NMLS # 1845349
NMLS # 1235512
Call or Text: (337) 329-9762
[email protected]
791 Bayou Pines East Unit 5
Lake Charles, LA 70601
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