Knowing how much home you can afford is the first step in the process. Looking at homes beyond your financial ability may create a hardship when you look at homes within your financial means. 

Stacy Garland El Dorado Hills Realtor

Also just because you may be able to afford a higher-priced home, doesn't have to be what you have budgeted and is best for you and your family.

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The Mortgage Calculator tool can give you an estimate, but your Lender will give you a more realistic idea according to your qualifications and the type of mortgage you qualify for will also dictate the interest rate.