How Much Can You Borrow?

How much you can borrow will depend on your income, down payment, job stability, existing debts, credit references and payment history. Lenders usually use the following two qualifying guidelines to decide how much of a loan you can manage:

• Your monthly housing expenses - mortgage payment, property taxes, insurance, etc. These expenses should be no more than 28 percent of your monthly gross income.
  
• Your monthly living expenses and any long-term debts - utilities, car and school loan, child support, health and car insurance, etc. These expenses should be no more than 36 percent of your monthly gross income.

My Mission Statement

Buying or selling a home is about more than real estate — it’s about your life, your goals, and your next chapter.

A home isn’t defined by paint colors or square footage. It’s about how you feel when you walk through the front door and envision your future there.

That’s why I take the time to truly listen and understand what matters most to you. My goal is to help you find the right fit — not just a property.

My approach is built on personal attention, strategic guidance, and creating a smooth, positive experience from start to finish.

Because while real estate is a transaction, to me, it’s always personal.