home buying power Archives - Sonoma County Mortgages https://sonomacountymortgages.com/tag/home-buying-power/ Wed, 09 Jul 2025 18:33:34 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 https://sonomacountymortgages.com/wp-content/uploads/2023/05/cropped-scm2-sonoma-cm-2-32x32.png home buying power Archives - Sonoma County Mortgages https://sonomacountymortgages.com/tag/home-buying-power/ 32 32 Why Income Drives Buying Power More Than Credit or Cash https://sonomacountymortgages.com/2025/07/income-buying-power/ Tue, 08 Jul 2025 17:31:54 +0000 https://sonomacountymortgages.com/?p=518757 Illustration of an orange two-story house next to a green dollar sign, a blue calculator, and stacked coins, with bold text above reading “Income is the key to home affordability,” symbolizing the role of income in determining home buying power.When it comes to buying a home, most people focus on credit scores and down payments. Those two things matter—but if you ask any experienced loan officer what really determines how much home you can afford, the answer is simple: income. Income is the engine behind your buying power. It determines how much a lender…

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]]> Car Payments and Home Buying Power: How $700/Month Can Cost You $100,000 https://sonomacountymortgages.com/2025/04/car-payment-impact/ Thu, 17 Apr 2025 17:45:59 +0000 https://sonomacountymortgages.com/?p=518567 Car payments vs owing a homeHow a Car Payment Could Cost You $100,000 in Home Buying Power When you’re house hunting in today’s market, every dollar counts — and sometimes, it’s not your income holding you back from qualifying, it’s your monthly liabilities. One of the biggest culprits? Your car payment. You wouldn’t believe how often I see someone with…

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