HBR 165 - The 4 C’s of Credit - Capacity (How Much Debt Can You Handle)

Home Buyer Radio

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4+ y ago 11:02

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What are the 4 C’s of credit and why do they matter? In this series we talk about how all of them impact your ability to get a mortgage.

The 4 C’s are cash, credit, collateral and capacity. All of these components make up a mortgage file. Should your financial picture be weak in multiple areas you may find getting a mortgage more difficult to get approved.

This week we talk about capacity. How much debt can you afford to pay based on your income? This makes a huge difference on the amount of home you may be eligible to finance.

Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President - Mortgage Loan Officer Northpointe Bank All loans subject to credit approval. Northpointe Bank is an Equal Housing Lender

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