BUYER NOTES · FROM OUR INSTAGRAM CONVERSATIONS A useful first step is understanding a payment you can comfortably manage alongside your other goals. Include property taxes, homeowners insurance, mortgage insurance when applicable, association fees, and maintenance in your planning. The familiar 28/36 guideline compares housing costs and total debt payments with gross monthly income. Treat it as a budgeting prompt; loan programs and lender requirements vary. A lender can explain the criteria for your situation. Discuss down payment, cash needed at closing, loan options, and the effect of existing debt with your lender. Then we can build a home search around your priorities.Ready to buy? Start with the numbers.
Look beyond principal and interest.
A starting conversation: the 28/36 rule.
Get your questions ready.
Have a question about your own move? Let’s make a plan that fits you.