how big a mortgage should i get

After locking can I get the lower rate if rates drop. – Here is the question. My wife and I are purchasing a new build and set to sign closing papers in December. The mortgage company wanted to try to get me to lock in at 6.50 and i told them that that rate was much higher than the going rates for an FHA at 6.00,two days later they called me and said the lender will lock in at 6.00 and that they never saw it this low and payments would be 1189.00.

do you need a down payment to refinance Do You Have Enough Home Equity to Refinance? – You’ve probably heard that you need at least 20 percent equity-or an LTV of 80 percent or less-to get a conventional loan to refinance your mortgage. However, that’s not exactly the case. strictly speaking, you only need 5 percent equity in most cases to get a conventional refinance.

How Much Can I Afford For A House? 7 Point Checklist – How much can I afford for a house ? That’s a question I hear often.. that doesn’t mean you’ll qualify for a loan of that size or that you can afford the payments or should take the loan even if you can afford it. But I digress.. And that one should take the 15 yr mortgage. They are.

Why You Should Celebrate a Big Tax Refund, Not Regret It – While most taxpayers aren’t exactly looking forward to having to prepare their tax returns, they’d still love to get big refunds from the IRS. making a down payment on a home mortgage, or buying a.

The 36% rule is the tried-and-true home mortgage affordability tip that you should take into account when establishing a baseline for what you can afford to pay every month.

Wes Moss: How to head into retirement with no mortgage – This is among the most common questions I get from clients and. you can pay off your mortgage.” In fact, I told them that, if they wanted, they could make a final lump-sum payment that day! I’m a.

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This mortgage calculator will show how much you can afford. Fill in the entry fields and click on the "View Report" button to see a complete amortization schedule of the mortgage payments.

Calculate your mortgage payment. Get your credit score in shape.. A home is a big expense – but it also pays in other ways!. To determine ‘how much house can I afford’, the standard.

The Mortgage Affordability Calculator estimates a range of home prices you may be able to afford based on the accuracy and completeness of the data and information you enter. The results are intended for illustrative and general purposes only, and do not constitute, nor should they be relied upon as financial or other advice.