Will the house own you?
A lender will tell you what you can borrow. This tells you what it would actually cost your life. Enter two numbers and see how much of your take-home pay a housing payment would swallow.
Want the real, all-in payment for a specific price — and a plan that keeps you out of house-poor territory? Send your info and Marcelo Bayon, a licensed loan officer, will follow up. No pressure, no credit pull.
Submitting sends your details to Marcelo Bayon, NMLS #1851997. Not a loan application, preapproval, or credit decision; no credit is pulled. Equal Housing Opportunity.
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Questions people ask
What's the difference between qualifying and affording?
Qualifying is a lender deciding you'll likely repay. Affording is you keeping a life — savings, emergencies, breathing room — after the payment. They're not the same number.
Take-home or gross income?
This tool uses take-home because that's the money you actually live on. A 28% gross guideline often lands around 33–38% of take-home.