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Borrowing Power Calculator
Understanding your borrowing power can guide financial decisions like buying a home to help you get a realistic view of how much a lender might let you borrow. Your borrowing power is determined by income, creditworthiness, debt and the lender's own criteria. Knowing how much you can borrow comfortably can help you make better decisions to reduce or eliminate financial strain and prevent missed payments.
How much can I borrow for a home?
Overall, the amount you can borrow depends on various factors, including interest rates at the time, your income, credit history and current debt, along with the policies of the mortgage lender.
Calculating your home loan borrowing power can help you determine your overall budget. You can use a borrowing power calculator that will determine how much you might be able to borrow based on key financial indicators like your income, debt and credit score.
Borrowing Power Calculator
Our borrowing power calculator is designed to give you a general idea of the amount you might be able to borrow from a lender based on your current income, expenses, debt, loan terms and associated costs. Then, you can use our mortgage payment calculator to estimate your monthly payments.
Keep in mind, the actual amount a lender will let you borrow will vary based on these factors, so the borrowing capacity calculator is meant to only serve as a guide. The only way to accurately determine how much you can borrow is by applying directly with a lender.
It's also important to note that a borrowing power calculator is not the same as a home affordability calculator. While a borrowing power calculator gives you an estimate of how much a lender might be willing to loan you, a home affordability calculator determines how much house you can afford to buy to see how a home purchase fits within your overall budget.
Explore Our Borrowing Options
Explore a variety of home loan options. From fixed and adjustable rate home loans and programs dedicated to first-time homebuyers to refinancing options, all of our home loans are designed to make your dream of homeownership come true. We also offer financial counseling services to help you get in a position to become a homeowner.
Contact us today to learn more about our home loan borrowing options and find the best one for you.