Jennifer Viti, Howard Hanna Real Estate Services

06/23/2026

06/23/2026

🏡 Tuesday Tip of the Day: How Much Home Can You Afford?

One of the first questions buyers ask is: “How much house can I actually afford?” The answer often comes down to something called your debt-to-income ratio (DTI).

💰 What is DTI?
DTI compares how much you owe each month to how much you earn.

📊 Simple Breakdown:

🔹 Monthly Debts Include:
Car payments, credit cards, student loans, personal loans, etc.

🔹 Monthly Income:
Your gross income (before taxes)

📌 How Lenders Look at It:

Front-End Ratio: Housing costs (mortgage, taxes, insurance)
Back-End Ratio: Total debts + housing costs

🏠 General Guideline:

Around 36% or less = strong financial position
Up to 43–50% may be possible depending on the loan program and credit profile

💡 Simple Example:
If you make $5,000/month before taxes, lenders may prefer your total monthly debts stay around $1,800–$2,500 depending on the loan type.

⚠️ Why It Matters:
Your DTI helps determine not just how much you can borrow—but how comfortably you can afford your monthly payment.

💡 Tuesday Tip: Getting pre-approved gives you a clear, realistic budget so you can shop with confidence and avoid surprises.

📞 Contact me today to start your homebuyer journey and get connected with trusted lenders who can help you understand your buying power!

Call now to connect with business.

06/23/2026

🏡 Tuesday Tip of the Day: How Much Home Can You Afford?

06/23/2026

A bear was seen in Deerfield.

06/23/2026

🔨🏡 Looking for a fixer-upper?

A home with great potential could be the perfect opportunity to build equity and create your dream space. Whether you’re a first-time buyer, investor, or searching for your next project, I can help you find the right property.

📞 Call me today and let’s start your home-buying journey!

06/22/2026

Side yards are the hidden gems of home landscaping. From cozy lounging spots to intimate dining areas, discover creative ways to transform this often overlooked area into an outdoor oasis. https://bit.ly/3RlgQec

06/22/2026

From low-maintenance landscaping to fully equipped outdoor kitchens, here are the most popular outdoor design trends that homeowners are incorporating into their properties, according to Houzz.

06/21/2026

Happy Father’s Day!
To all the fathers out there, thank you for everything you do to make a difference in your children’s lives. Your love, guidance, hard work, and support help shape strong families and brighter futures. Wishing you a day filled with appreciation, joy, and special moments with those you love most.

06/20/2026

What a cool bedroom idea for a camp.

This bedroom is Amazing!
This room is by Rochelle Cote Interior Design.

https://rochellecotedesign.com/

06/20/2026

🏡 Congratulations to my buyers on their new home! 🎉

I’m so thankful to have been part of this special journey and to help make their homeownership dreams a reality. Wishing them many years of happiness, memories, and new beginnings in their beautiful new home. Thank you for trusting me every step of the way! ❤️🔑