{"id":196,"date":"2012-01-13T19:06:51","date_gmt":"2012-01-13T19:06:51","guid":{"rendered":"http:\/\/riverbankfinance.com\/blog\/?p=196"},"modified":"2012-12-10T17:47:05","modified_gmt":"2012-12-10T17:47:05","slug":"what-house-can-you-afford","status":"publish","type":"post","link":"https:\/\/riverbankfinance.com\/blog\/what-house-can-you-afford\/","title":{"rendered":"What House Can You Afford?"},"content":{"rendered":"<p><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2012\/01\/new-house-calculator.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-197\" title=\"new-house-calculator\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2012\/01\/new-house-calculator.png\" alt=\"Answer what home can I afford?\" width=\"150\" height=\"150\" \/><\/a>First-time home-buyers encounter an onslaught of hurdles before they reserve the right to say they truly are home-owners. That is why <em>Riverbank Finance<\/em> is introducing a new blog series to explain what you can do in-order to prepare yourself for purchasing your first home. Enough jib-jab though. Let\u2019s jump right into things with our very first article about home-buying basics, \u201cWhat House can You Afford?\u201d<\/p>\n<p>The first step is to gather a\u00a0few pieces of information that we need first before we can calculate what type of home you can afford.<\/p>\n<ul>\n<li>Gross Annual Income<\/li>\n<li>Mortgage Rate<\/li>\n<li>Monthly Debt (ex. Student Loans &amp; Credit Card Payments)<\/li>\n<li>Down-Payment Amount<\/li>\n<li>Annual Property Taxes<\/li>\n<li>Annual Homeowner Insurance<\/li>\n<\/ul>\n<p>Once you have gathered the above information, there is a very simple way to calculate the type of home you can afford. \u00a0Right on the <em>Riverbank Finance<\/em> website you can find a great calculator to figure out exactly what home you can afford. Just click on the following link to be directed to the calculator: <a title=\"Michigan Mortgage Calculator\" href=\"http:\/\/riverbankfinance.com\/mortgage-calculator.html\">Mortgage Calculator<\/a>.<\/p>\n<p>This will help you get a start with what home prices you should be searching for however to figure out the exact amount that you can be approved for be sure to speak with a loan officer at 1-800-555-2098.\u00a0 They will be able to help you calculate your pre-approval amount.<\/p>\n<p>Be sure to check back to our blog for the next step in the process towards you becoming a first time home-owner.<\/p>\n<h2>Submit your Information Below for Help in Figuring Payments<\/h2>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f185-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"185\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/196#wpcf7-f185-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"185\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f185-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"ApplyFullHeader\" id=\"apply_form\">\n\t<p class=\"replaceheader\">Request Information Now!\n\t<\/p>\n<\/div>\n<div class=\"blueBox\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Name (required)\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Email (required)\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone:\" value=\"\" type=\"text\" name=\"your-phone\" \/><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-goal\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"your-goal\"><option value=\"Purchase\">Purchase<\/option><option value=\"Refinance\">Refinance<\/option><option value=\"Cash Out\">Cash Out<\/option><option value=\"More Information\">More Information<\/option><\/select><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Your Message:\" name=\"your-message\"><\/textarea><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"referer-page\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text referer-page\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"referer-page\" \/><\/span><br \/>\n\t\n\t<\/p>\n\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner submit\" type=\"submit\" value=\"Submit Now!\" \/>\n\t<\/p>\n<\/div>\n<div style=\"text-align: justify; color:#666666;font-size: small;\">\n\t<p>By clicking \"Submit Now!\", you consent to receive calls and texts at the number you provided, including marketing by autodialer and prerecorded and artificial voice, and email, from Riverbank Finance LLC about your inquiry and other home-related matters, but not as a condition of any purchase; this applies regardless of whether you check, or leave un-checked, any box above. You also agree to our Privacy Policy and Terms of Use regarding the information relating to you. Msg\/data rates may apply. This consent applies even if you are on a corporate, state or national Do Not Call list. This no obligation inquiry does not constitute a mortgage application. To apply now or get immediate assistance, call us at 1-800-555-2098.\n\t<\/p>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"98\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>First-time home-buyers encounter an onslaught of hurdles before they reserve the right to say they truly are home-owners. That is why Riverbank Finance is introducing a new blog series to explain what you can do in-order to prepare yourself for purchasing your first home. Enough jib-jab though. Let\u2019s jump right into things with our very<a class=\"excerpt-read-more\" href=\"https:\/\/riverbankfinance.com\/blog\/what-house-can-you-afford\/\" title=\"ReadWhat House Can You Afford?\">&#8230; Read more &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[301,70,308],"tags":[72,32,73,35,71],"class_list":["post-196","post","type-post","status-publish","format-standard","hentry","category-buying-a-home","category-first-time-home-buyer","category-mortgage-tips","tag-first-time-home-buyer-2","tag-mortgage-calculator","tag-mortgage-preapproval","tag-new-house-calculator","tag-what-house-can-you-afford"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/posts\/196","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/comments?post=196"}],"version-history":[{"count":6,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/posts\/196\/revisions"}],"predecessor-version":[{"id":652,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/posts\/196\/revisions\/652"}],"wp:attachment":[{"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/media?parent=196"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/categories?post=196"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/riverbankfinance.com\/blog\/wp-json\/wp\/v2\/tags?post=196"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}