Your numbers
Estimates update as you type. Nothing is submitted until you ask John for the real thing.
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Make it real — free, no credit hit
These are estimates. John is your agent and your lender — so he can turn this into a real pre-approval and start finding homes, in one conversation. No handoff, no runaround.
How this works: we estimate the largest home price whose monthly payment (principal, interest, property taxes ≈1.1%/yr, homeowners insurance ≈0.25%/yr, mortgage insurance, and any HOA) fits within your loan type’s debt-to-income limits. The “comfortable” figure uses a prudent ~36% housing / 43% total ratio; the “stretch” uses the program maximum (Conventional ~45% housing / 50% total, FHA 46.99% / 56.99%, VA residual-income based). The housing (front-end) ratio takes precedence and can cap your number even when the total ratio still has room; exact limits and final approval are set by automated underwriting (Fannie Mae DU / FHA TOTAL Scorecard). Today’s rate is the Freddie Mac 30-year average via FRED, adjusted for your loan type and credit tier; your actual rate, taxes, insurance, and program eligibility will differ. This is an educational estimate only — not a loan pre-approval, a commitment to lend, or a guarantee of terms. All loans subject to credit approval. Equal Housing Opportunity | Equal Housing Lender. John Abril, CA DRE #01060119 | NMLS #280222.