While a bank may tell you how much they are willing to lend, your personal budget is more important to avoid being "house-poor".
Experts typically recommend that your total monthly housing costs (mortgage, taxes, and insurance) should not exceed 28% of your gross monthly income . first step in buying a house for the first time
Beyond the mortgage, remember to account for property taxes, homeowners insurance, HOA fees, and a maintenance fund (ideally 1% of the home's value per year). 2. Strengthen Your Credit Profile While a bank may tell you how much