Do I Make Enough Money to Buy A House

Wondering if you make enough money to buy a home?
You’re not alone—and the answer might surprise you. In this video, I break down exactly how much income you really need to buy a house in today’s market.

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First Time Home Buyer Course FREE here on YouTube! Step by step, everything you need to know to get through the home buying process confidently!
   • Course: First-Time Homebuyers 2025  
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✅ Learn how lenders calculate what you can afford
✅ Understand debt-to-income ratio (DTI) and how it impacts you
✅ See real-life income vs. home price examples
✅ Discover how loan type, credit score, and down payment factor in
✅ BONUS: I share a simple formula to estimate your buying power today!

Don’t guess—get the facts, run your numbers, and move forward with confidence.

CHAPTERS:
00:00 – Do You Make Enough to Buy a House?
00:50 – Why Income Alone Doesn’t Tell the Full Story
01:07 – What Is Debt-to-Income Ratio (DTI)?
01:45 – Income vs. Monthly Debt: A Side-by-Side Breakdown
02:30 – Real Example: $75K Income and How Much You Can Afford
04:35 – How Loan Type Affects Income Requirements
08:45 – How Credit Score Impacts Affordability
09:05 – Down Payment + Reserves = More Buying Power
10:00 – Real Buyer Scenarios (Low Income, Still Qualified!)
11:10 – What About Co-Buying or Side Income?
11:45 – The Simple Formula to Estimate Your Max Price
13:00 – Why You Might Be Closer Than You Think
14:00 – Run Your Numbers - Beware of online calculators - know this!

👍 Real Facts, No BS

#loanwithjen #homebuyers #texasrealestate

Jennifer Hughes Hernandez Legacy Mutual Mortgage
Equal Housing Opportunity Lender NMLS #514497
Phone: 713-579-3611
[email protected]
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💻 *MyFICO.com provides the closest score to consumers that closely reflects what lenders see. To learn more about building your credit score visit: https://www.MyFICO.com

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Loan With Jen and affiliates and related parties do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Legal Disclosure: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Before investing, please consult a licensed professional.