How Much Home You Can ACTUALLY Afford (By Salary)

➡️ Schedule a call with Me & My Team: https://tinyurl.com/ApplyWithKP ➡️ Get Your Money Right w/ My FREE Budgeting Calculator: https://kpteam.com/budget-worksheet/ ➡️ Stay up to date on all things homebuying, real estate, and personal finance: https://bit.ly/KevNews ✅ Subscribe for more real estate insights: https://www.youtube.com/@kp_theoriginator/featured?sub_confirmation=1sub_confirmation=1 If you're serious about buying in 2025, this video is a must-watch. Think you'll never afford a home? You're not alone. In this video, I break down exactly what you can afford based on your income, how lenders calculate it, and why maximum qualification isn't the same as affordability. I’ll walk you through real-life mortgage math on a $100K income, show you how a $450K vs. $350K purchase changes your budget, and explain why waiting to save 20% down could cost you more than you think. Hashtags #HomeAffordability #FirstTimeBuyer #MortgageTips #CanIAffordAHouse #BudgetingForAHome #MortgageAdvice #RealEstate2025 #BuyAHome #realestateeducation Timestamps 00:00 You're Not Alone – Home Affordability Doubts 00:45 Comfort vs. Qualification – What Can YOU Actually Afford? 01:40 Mortgage Math on $100K Household Income 04:00 Real-Life Payment Breakdown on a $450K Home 06:10 Why Waiting to Save 20% Might Hurt You More 07:50 Are You Early in Your Career? It Might Be OK to Stretch 09:10 Outro & Next Video To Watch ===================== Kevin Polakovich Founder of Treadstone Mortgage [Company NMLS 222982] Mortgage Lender | [Individual NMLS# 138361] Connect with me on social: 📸 Instagram: https://instagram.com/kp_theoriginator 📘 Facebook: https://facebook.com/KP.theoriginator 🎵 TikTok: https://tiktok.com/@kp_theoriginator?lang=en 🔗 LinkedIn: https://linkedin.com/in/kevin-polakovich-0493b116 Hashtags: #KevinPolakovich #MortgageLender #MichiganRealEstate #TreadstoneMortgage #HomeLoans #HomeBuyingMadeSimple #MortgageTips #MichiganHomes #FirstTimeHomeBuyer #HomeOwnershipJourney #MortgageSolutions #MichiganLender DISCLAIMER: Down payment requirements, closing costs, and loan amounts are for illustrative purposes only; subject to credit qualification, not all applicants may qualify. Not a commitment to lend. Not affiliated with or endorsed by any government institution. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. This video has not been approved by any government agency. Please contact us for an exact quote and for more information on fees and terms. Treadstone Funding propelled by Neighborhood Loans NMLS 222982 “Illinois Residential Mortgage Licensee No. MB.6759826. https://www.neighborhoodloans.com/licensing/ For licensing information, go to https://www.nmlsconsumeraccess.org