Question 1

How much house can I afford?

Accepted Answer

A common guideline is spending no more than 43% of your gross monthly income on total debt payments (your debt-to-income ratio). Use our affordability calculator for a quick estimate, then get a precise pre-approval based on your full financial picture — credit, income, assets, and the property.

Question 2

How does refinancing save me money?

Accepted Answer

Refinancing replaces your current loan with a new one at a lower rate or better terms. If your new rate is lower, your monthly payment drops. Use our refinance savings calculator to estimate your monthly savings and break-even point — typically 18–36 months.

Question 3

What is DTI (debt-to-income ratio)?

Accepted Answer

DTI is your total monthly debt payments divided by your gross monthly income. Most loan programs prefer a DTI at or below 43%, though some non-QM programs allow higher. A lower DTI generally means better loan terms and more options.

Question 4

How accurate are online mortgage calculators?

Accepted Answer

Our calculators give reliable ballpark estimates based on your inputs. Your actual loan terms depend on full underwriting — including credit score, property type, down payment, and lender guidelines. Use the calculator to plan, then get a real quote from our team.

Mortgage calculators.

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