Home Affordability Blog

Math-first guides. No fluff. No mortgage-broker affiliate links.

The 28/36 rule, explained simply

Lenders cap your housing payment at 28% of gross income and your total debt at 36%. Here is what that actually means for your house hunt.

A realistic walkthrough for a $100k earner. Including what changes at 20% down, 10% down, and no down payment at all.

Debt-to-income ratio is the single biggest factor in your mortgage approval — bigger than credit score for most borrowers.

Being approved for a mortgage and being able to afford one are not the same thing. Five signals you are about to overextend.

The 20% down payment rule is a rule of thumb, not a law. Here is what you actually need.

Rates feel abstract. Here is how much purchasing power you lose for every 1% rate increase.