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.

Mission Statement:

I firmly believe in the Golden Rule or Law of the Prophets, "So in everything, do to others what you would have them do to you,"
Matthew 7:12 NIV

I am committed to Servant/Leadership based on a high Code of Ethics, Honesty, Integrity and Fairness throughout the transaction and beyond implementing the Keller Williams Realty Value and Belief Systems.