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Mortgage Loan Qualifying Calculator

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Know what lenders expect from you in order to qualify for a desirable loan amount. We can help determine a minimum level of income needed for you to afford home payments while also considering taxes, insurance, and other debts.
Required Annual Income
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Let a salary-based mortgage consultant design the perfect loan for your needs. You'll get a low rate, custom terms, and a fast closing. Get started today.

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What’s most important to your lender?

It’s often misunderstood that you need a large down payment to qualify for a mortgage. This idea couldn’t be further from the truth! In fact, there are many down payment assistance options to get you into a home, for less money down.

While certain mortgage programs have strict income requirements, your lender wants to know you can repay a loan. The documentation you provide should verify two years of employment in the same industry. Lenders will be less likely to move forward with a loan if you have gaps in your employment history or constantly move from job to job.

Can you qualify for a mortgage on a low income?

Higher income translates to greater borrowing power. But there’s still a chance you qualify for a mortgage on a modest salary. There are even mortgages for one-income households!

Contact a mortgage expert

There’s no need to stress about your mortgage application. Give us a call today and talk to one of our salary-based mortgage consultants.