05/29/2026
Here is what I tell my buyers Do not buy at the top of your approval amount Buy at the top of your comtort zone Take your real monthly number, make sure it sits at or below 28% of your gross income. Then look at what is left. If there is no room to save, no room to invest, no room to breathe, that is not a home, that is a trap. The best house is not the most expensive one you can quality for it is the one that still lets you live your life after you own it.
Get pre-approved. Then ignore the top number and pick your own.