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0:00 - Why Housing Costs Are a Struggle
0:27 - The Problem with Affordability Rules
1:16 - Breaking Down Affordability Ratios
2:20 - DTI Ratios Miss the Big Picture
3:04 - What People Get Wrong About Budgets
3:32 - Start with Your Goals First
4:18 - Best Budgeting Tools to Use
5:16 - What’s in Your Budget?
6:54 - How to Stress Test a Mortgage Payment
8:00 - Comparing Rent and Mortgage Payments
9:58 - Step-by-Step Stress Testing Guide
12:00 - Adjust If Stress Test Feels Off
12:43 - Final Thoughts on Smart Home Buying
— DISCLAIMER —
Kyle Andrew Seagraves is Federal Mortgage Loan Originator (NMLS 1701021) licensed in all 50 states with the Dan Frio Team at Servbank, sb (NMLS 203463), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Allied First Bank is not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.
Servbank, sb
3201 Orchard Rd.
Oswego, IL 60543
servbank.com
844-775-5626
NMLS 203463
Member FDIC
Equal Housing Lender
