How Do I Get a Mortgage?

How much can I afford?

To answer that question, lenders look at all the elements that make up your financial profile, including your credit history, the cash you have available for a down payment and closing costs, your income and your existing debt and financial obligations.

Then, taking the current market interest rate into account, a lender can give you an idea of the maximum mortgage amount you can afford.

By adding your maximum mortgage amount to the funds you plan to use for your down payment, you will know your home-purchase price range.

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