How Much House Can You Afford? The Ratios Lenders Actually Use
'Approved for' and 'able to afford' are different numbers. The two ratios that produce the first — and how to build the second, stricter one for yourself.
Read the guide →Mortgages and affordability, in plain numbers.
Mortgage decisions are math wearing a suit. KeyNest shows the actual ratios lenders use, compares fixed and adjustable rates without the sales pitch, and explains the appraisal standing between your offer and your keys.
'Approved for' and 'able to afford' are different numbers. The two ratios that produce the first — and how to build the second, stricter one for yourself.
Read the guide →The ARM starts cheaper — the honest question is what it costs later, and whether you'll still own it then. Adjustment mechanics, caps, and the break-even thinking that settles the choice.
Read the guide →One visit, a stack of comparable sales, and a number that can reshape your whole deal. What the appraiser measures, what they don't, and what happens when the number disappoints.
Read the guide →Every guide starts from primary sources — official publications, regulators and reputable research — and is checked by an editor before publishing. If we get something wrong, we update the article. More about us →