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What is the balance of your student loan? Is your $160 month payment at least 1% of that amount?
Is the student loan your only current payment? What about a vehicle/vehicles - even if you don't currently have a payment now, it is likely that you will over the next 30 years . I would be conservative with a young family particularly. You don't want to be "mortgage poor". There are many more expenses involved with owning your own home than just the mortgage payment. Most people can afford the payment, its the ongoing maintenance and unexpected repair issues that can be problematic.
The balance on the student loan is under 5k (4k and some change) and no other monthly payments at the moment (i own my vehicle) and pay off credit cards monthly (just use them for groceries, gas, bills etc... and thanks for the advice just want to know what my max is because king county is expensive and i would definelty stay conservative and within my means
Looks like an easy approval to me. Talk to a local lender.
The approval isnt so much the issue but the amount $$$$, online loan calculators are all over the place so i am wondering what home price range I can get approved for with lets say $3000 annual taxes and $800 homeowners insurance figured in. Some calculators say under 200,000 and some say upwards for 270,000.
Must be nice to find a $250,000 house with only $3,000 taxes.....where I'm at (Texas) that number would be closer to $8,000
Well I am in the Seattle area and $250,000 doesnt get you much at all house wise. Ultimate starter home and very modest if I find anything at all that low (near seattle), but the ones I have seen have taxes around that range $3000 a year.
@Anonymous wrote:Well I am in the Seattle area and $250,000 doesnt get you much at all house wise. Ultimate starter home and very modest if I find anything at all that low (near seattle), but the ones I have seen have taxes around that range $3000 a year.
Touché $250k here is around 2600-3000 square feet
Must be nice! yeah around here that $250,000 will get me 2 bedrooms (3 if im lucky) and about 800-1200 sq ft and im talking older home that could probably use some updating