Buying power is helpful, but it is not the same thing as a comfortable budget. Before looking at homes, begin with the monthly payment that lets the rest of your life keep working.
From there, we can test different combinations of price, down payment, interest rate, taxes, insurance, and seller credits. The goal is not to squeeze you into the biggest number. It is to find a path that feels sustainable after closing day.
When your real estate search and financing strategy are built together, you can make decisions with much more confidence and walk away from options that do not respect your plan.
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