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Sindeo is a lender-paid mortgage originator with 40+ lenders & 1,000+ loan programs to best meet your specific needs and goals.

Sindeo is a lender-paid mortgage originator with 40+ lenders & 1,000+ loan programs to best meet your specific needs and goals.

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Affordability Calculator

For down payments under 20% of the property's purchase price you must pay for Private Mortgage Insurance. This insurance protects lenders against some or most of the losses that can occur if a borrower defaults on their mortgage loan.

Lenders may provide different rates.This rate should only be used as reference.

Click here to get an accurate loan quote

A homeowner's association (HOA) is a private association formed by real estate developers for the purpose of marketing, managing, and selling homes and lots in a residential subdivision.

Please input what percentage of your income that you are comfortable with spending towards your mortgage. To qualify for a mortgage, the DTI should be 36% or lower.

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Basic questions

Affordability

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Affordability Breakdown

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Debt-to-income

With a debt-to-income ratio under 36%,you can get a great home with some cash left for savings,

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Affordability calculator help

Step to Estimate What You Can Afford

Step 1.Creat your financial profile

A high-level understanding of your financial situation starts with knowing…

• Your total pre-tax household income

• Remaining balance on any existing loans (student, auto, or others)

• Total credit card debt

• Your credit score

• How much you have saved for your down payment

Step 2.Calculate other homeowner's expenses

When making a big change to your living situation, your monthly expenses for housing can fluctuate even if your mortgage payment stays the same (though that's unlikely). And it's not chump change: the average homeowner pays over $6,000 a year for unavoidable expenses related to:

• Utility bills

• Maintenance & Repairs

• Transportation

• Housing association fees

Step 3.Factor in other major expenses

Any good mortgage provider (and they're not all created equal) will need to know more about your financial situation than just the basics. Here are a few categories of expenses that could impact your housing budget:

• Monthly expenses: Regular expenses like cable, electricity, child care, health insurance, and house cleaning should be included in your budget.

• Lifestyle funding: Whether you're a foodie, shopaholic, Crossfit junkie, or travel addict, acknowledge what's important in your lifestyle and plan for these costs.

• Contributions to savings: Identify your long-term savings goals (for retirement, college funds, etc.) and how much you want to put away each month.

• Milestones & changes: Do you want to have kids? Are you hoping to start your own business? While life can surprise you with unexpected twists, there are some major changes you can (try to) anticipate

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Budgeting to Buy Your First Home

DECEMBER 7, 2016 BY DANIELA BAYON