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How much house you can afford is also dependent on the interest rate you get because a lower interest rate could significantly lower your monthly mortgage payment. Along with mortgage interest rates each lender has fees and closing costs that factor into the overall cost of the home loan.
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While your personal savings goals or spending habits can impact your.
. When choosing a lender compare official Loan Estimates from at least three different lenders and specifically pay attention to which have the lowest rate and lowest APR. Factors that impact affordability. When it comes to calculating affordability your income debts and down payment are primary factors.
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