Videos

Improve your financial situation throughout your lifetime using personalized mortgage strategies.

Improve your financial situation throughout your lifetime using personalized mortgage strategies.

Improve your financial situation throughout your lifetime using personalized mortgage strategies.

Improve your financial situation throughout your lifetime using personalized mortgage strategies.

Improve your financial situation throughout your lifetime using personalized mortgage strategies.

Improve your financial situation throughout your lifetime using personalized mortgage strategies.

Housing Affordability

How much can I afford?

Payment-to-Income | PTI

Defining and calculating Payment-to-Income, PTI, the most basic measure of a borrower’s ability to repay their mortgage.

https://www.huduser.gov/portal/pdredge/pdr-edge-featd-article-081417.html

Debt-to-Income | DTI

Defining and calculating the debt-to-income ratio, DTI, the most common measure of a borrower’s ability to repay a mortgage.

Debt Service Coverage Ratio | DSCR

The Debt Service Coverage Ratio, used to qualify investors’ ability to repay on investment properties, can be helpful for non-investors, too.

Savings and Reserves

Why continuous savings is important when considering a mortgage payment and housing affordability.