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Affordability Check
When your home costs more than your paycheck allows
One question I hear often: 'Am I spending too much on my mortgage?' It's a good one to ask yourself, especially if life has changed—a job shift, new expenses, or just the feeling that your payment is eating too much of your budget. There's no magic number that works for everyone, but most people feel comfortable when their housing payment fits naturally into their monthly income, leaving room for other goals and emergencies. If you're stretching too thin, you have real options: extending your loan term can lower the monthly payment, refinancing to a better rate can help, or sometimes just having a conversation clarifies what's actually affordable for your situation. The goal isn't to borrow less—it's to borrow *smart*. If you're wondering whether your mortgage still makes sense for your life, let's talk through it.
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