How Much House Can I Afford? 7 Things Mortgage Lenders Check

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Издатель Mar 8, 2026

Buying a home? Before you start hunting, you need to know one thing: how much house you can actually afford.

In this video, we break down the seven key factors mortgage lenders consider — including your income, debt-to-income ratio (DTI), credit score, interest rates, loan type and more.

You’ll learn:
• What the 28/36 rule is
• How DTI affects mortgage approval
• Why your interest rate can dramatically change your budget
• What lenders include in your true monthly housing cost
• A simple action plan to improve your buying power

When you’re ready to compare options, check out Money.com’s full guide to the best mortgage lenders here:
https://money.com/best-mortgage-lenders/

Money.com’s mortgage coverage is backed by in-depth research and analysis to help you make confident decisions. Whether you’re a first-time homebuyer or just planning ahead, this guide will help you set a realistic home budget — and avoid costly mistakes.

Leave a comment below with questions or ideas for what we should cover next!