Know exactly what you can afford before you start searching for a home.
Need financing options on a home or other real estate? Choosing a purchase
loan product that matches your goals and making sure you get a favorable rate
doesn't have to be stressful!
We're here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a pre-approval request.
We'll help you clearly see the difference between loan programs, allowing you to choose the right one for you, whether you're a first-time home buyer or a repeat buyer.
To qualify for a mortgage, lenders
typically require that you have a debt-
to-income ratio of "43/49." This means
that no more than 43% of your total
monthly income (from all sources,
before taxes) can go toward your new
mortgage payment and no more than
49.99% of your monthly income can go
toward your total monthly debt
(including your mortgage payment).
VA and FHA loans even allow for higher
debt ratios on a case by case basis.
Hi, my name is Josh Wheaton. I'm a
Mortgage Advisor with Simplified Mortgage, offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. NMLS #1642158