Zillow Advice: Buying Process - How can I decide what kind of houses we are affordable? http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ Zillow Advice | Zillow Real Estate Prequalification calculator ... http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ Prequalification calculator will give you a good idea<br/><br/>Four times your income if your monthly debt is low. Wed, 07 Nov 2012 02:11:00 GMT http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ 2012-11-07T02:11:00Z Hi,This is a very common ... http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ Hi,<br/>This is a very common question which most of us&nbsp;think when we are planning to buy a new house.&nbsp;It is important to actually ensure we don't land up buying a house which is unreasonably expensive. Get in touch with a mortage professional who can give you the right estimate. Sun, 28 Oct 2012 13:58:00 GMT http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ 2012-10-28T13:58:00Z It is a complicated process ... http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ It is a complicated process at best. As far as&nbsp;beginning&nbsp;to get an idea of "how much house you can afford," Zillow has a calculator here: <a href="http://www.zillow.com/mortgage-calculator/house-affordability/">Affordability Calculator&nbsp;</a><br/><br/>Often the tax and insurance sections underestimate, so you may wish to up those a bit. Also remember that if you are moving into a larger home, your utility bills may go up considerably.&nbsp;<br/><br/>And as the others have said, the only real way to get a good estimate is to speak to some mortgage professionals. You can get quotes here at <a href="http://www.zillow.com/mortgage-rates/">Zillow's Mortgage Market Place.</a> And you may wish to speak to some local lenders/brokers. A pre-approval should be one of the very first steps of searching for a new home.&nbsp; Sun, 28 Oct 2012 11:37:00 GMT http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ 2012-10-28T11:37:00Z Try to meet in person with ... http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ Try to meet in person with a local lender. They will run your credit and advise how much you can afford to purchase based on your current debt.<br/>As Brian stated, keep in mind your household budget. Sun, 28 Oct 2012 10:45:00 GMT http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ 2012-10-28T10:45:00Z I would be happy to put you ... http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ I would be happy to put you in contact with National Lenders who will pre-qualify you for a home loan.This will allow you to stay within your means and find a home suitable to your budget. Sun, 28 Oct 2012 02:12:00 GMT http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ 2012-10-28T02:12:00Z [hotlink removed by Zillow ... http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ [hotlink removed by Zillow moderator] Sun, 28 Oct 2012 02:03:00 GMT http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ 2012-10-28T02:03:00Z Contact at least two mortgage ... http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ Contact at least two mortgage brokers so they can guide you through the process Sat, 27 Oct 2012 23:03:00 GMT http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ 2012-10-27T23:03:00Z Thanks for posting your question ... http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ Thanks for posting your question on Zillow.com!<br/><br/>Yes, put the horse before the cart and speak to a lender/bank you are comfortable &amp; insert it into your household budget.&nbsp; If you do not have one, make one!!! :)<br/><br/>Good luck! Sat, 27 Oct 2012 22:46:00 GMT http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ 2012-10-27T22:46:00Z There are various "affordability ... http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ There are various "affordability calculators" available. I have one on my web site but you really need to talk to a good loan specialist (and I don't mean a bank) to understand what options are available to you. If you contact me off-line I will pass on a great referral to you. Sat, 27 Oct 2012 21:30:00 GMT http://www.zillow.com/advice-thread/How-can-I-decide-what-kind-of-houses-we-are-affordable/466141/ 2012-10-27T21:30:00Z