Everyone gets hung up on rates. But the real key to affordability? Your 36% ratio. Here’s the breakdown lenders actually care about: • 28% of your income → safe mortgage payment • 8% → other debts (car, cards, loans) • 36% → the total sweet spot This one rule matters more than the rate you see online. If you don’t know where you land inside that range, you’re guessing. And if you want the full worksheet to plug in your real numbers, it’s all inside the Homebuyer Guide. Download it free! Link in
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