The approval is a ceiling, not a budget
A pre-approval tells you the most a lender will lend. It doesn't know about daycare, your commute, or what you want left over each month. Start from the payment you can live with.
For home buyers
What can youreally afford?
Not the most a bank will approve — the payment that fits your life. Run your own numbers in a minute, then have Sarah line up homes that fit, and introduce you to lenders when you're ready.
No obligation · never sold
Sound familiar?
Approved for isn't the same as comfortable with.
The payment is more than the loan
Property taxes, homeowners insurance, HOA dues and — near the coast — flood insurance all ride on top of principal and interest. Sarah helps you see the whole payment on real homes before you fall for one.
Affordability calculator
Start from the payment.
Estimated price range to shop
Enter your payment
- Comfortable monthly payment
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- Taxes, insurance, HOA
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- Left for the loan each month
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- Loan that carries
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- Plus your down payment
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- Price range to shop
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An estimate from the numbers you entered — not a loan offer or a pre-approval. It leaves out mortgage insurance, which many loans with a smaller down payment carry. What you qualify for comes from a licensed lender. Nothing you type here is saved; if you send your details, this summary goes to Sarah with them.
Have Sarah find homes in this rangeHow it works
Your numbers. Real homes.
- 01
Tell Sarah where you're looking
The area and the best way to reach you. It goes to Sarah and nobody else.
- 02
Run your real numbers
The calculator turns a payment you're comfortable with into a price range — taxes, insurance and HOA included.
- 03
Get a buying plan from Sarah
Homes that fit the number, what to expect in each area, and an introduction to lenders when you're ready. No obligation.
Questions
Straight answers.
Is this a pre-approval?
No. Sarah works in real estate, not lending. A pre-approval comes from a licensed mortgage lender, who reviews your income, assets and credit. Sarah can introduce you to a few — you choose.
Does this check my credit?
No. Nothing on this page checks your credit, and the calculator runs in your browser — nothing you type into it is saved or sent.
Who sees what I send?
Sarah, and nobody else. It is never sold, and never passed to a lender or another agent without your OK.
Buy the home that fits your life, not just the loan.
Ready for a buying plan? Two steps, ten seconds. It goes to Sarah and nobody else.