Helpful Guides from Our Team
Clear, practical guides from the team on Del Prado Blvd.
How to Save Money for Your First Home
To save for your first home, set a realistic budget based on what you can truly afford, break your down payment goal into monthly targets, and automate transfers to a dedicated account. Trim discretionary spending, then explore down payment assistance programs that can reduce how much you need to save upfront.
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Ideal Debt-to-Income Ratio When Applying for a Mortgage
Most lenders prefer a debt-to-income ratio of 36 percent or lower, though there is no single number that guarantees approval. Conventional loans typically look for a DTI under 36 percent, while FHA and VA loans often allow higher ratios, and strong credit or savings can offset a higher DTI.
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