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Affordability Math
Your income matters more than your down payment
When you're looking to buy or refinance, lenders focus on one key question: can you reliably pay back what you borrow? That's where your income comes in. The stronger and more stable your income, the more flexibility you often have with your down payment, loan type, and approval odds. Conversely, a large down payment won't overcome income concerns. If you're self-employed, freelance, or have recently changed jobs, lenders will dig deeper—but it doesn't disqualify you. Understanding how your income is assessed helps you show up prepared and realistic about what you can qualify for. That's why it's worth having an honest conversation early. Let's talk about what your situation looks like—reach out and we can walk through it together.
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