Affordability guides
Two short explainers on the rules and costs behind an affordability number. Each one names its sources.
Debt-to-income under the ability-to-repay rule
What the federal ability-to-repay rule requires a lender to consider, how it defines the ratio, and why it sets no single DTI limit.
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What goes into a monthly housing payment
Principal, interest, property tax, insurance, HOA dues and mortgage insurance: what each one is, where to find it on a Loan Estimate, and how escrow works.
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