Know your numbers before you fall in love with the house.
Real math, plain English, no fantasy figures. These are the same calculations I run for my own clients — try them yourself, then let's talk about what they mean for you.
Three questions every buyer asks. Three honest answers.
Live calculators — no credit pull, no spam, no login.
Car loans, student loans, credit card minimums — not rent or utilities.
Most loan programs cap around 43–50%. Lower is more comfortable.
Get this exact scenario in your inbox — your numbers, the full payment math, and what to look at next. No spam, no pressure.
It's public record — the exact number is on the Zillow listing or the county auditor's site.
Get this payment scenario in your inbox with every line item explained — and what could bring it down.
Even small amounts compound. Drag it and watch the orange line.
Get this payoff scenario in your inbox — the schedule, the savings, and a couple of smarter ways to structure it.
Three things lenders actually look at.
Not a checklist of forty items. These three move the needle — everything else is paperwork.
Credit
You don't need perfect credit — 580+ opens FHA doors, 620+ opens conventional ones. What matters more is the story: on-time payments and low balances over the last 12 months. If your score needs work, I'll tell you exactly which two or three moves help fastest.
Income
Lenders want stability they can document — usually two years in the same line of work. Self-employed, 1099, commission-based? All workable; the paperwork is just different. The affordability tool above shows what your income supports.
Down payment
The 20% rule is a myth. Conventional loans start at 3% down, FHA at 3.5%, and VA or USDA can be zero. Down payment assistance programs exist across Ohio. Less down means PMI — the payment tool shows you exactly what that trade costs.
Before closing — do
- Keep paying every bill on time, every time
- Keep your savings where they are — lenders verify accounts
- Stay in your job; tell me first if a change is coming
- Ask questions early — surprises are only bad when they're late
Before closing — don't
- Finance a car, furniture, or anything else new
- Open or close credit cards — both move your score
- Move large amounts of money without a paper trail
- Quit or switch jobs without a conversation first
Real reviews from real clients. Read them all on Zillow →
"Anthony made the buying process significantly easier for us! He answered questions before we asked them, and before we even knew we wanted to ask them. He was patient, informative, as well as efficient! We closed on our house right on track."
"Anthony went above and beyond for my partner and I. We are first time home buyers and Anthony was so knowledgeable and so willing to take the time to explain every little detail to us so we were always in know of what was going on!!"
"He was knowledgeable and efficient and answered every question we had no matter what time of the day! He made this extremely stressful process a lot less stressful and for that we are extremely grateful."
A pre-approval beats a calculator — and a pre-qualification.
These tools get you in the ballpark. A pre-approval gets you a verified number — credit pulled, income and assets reviewed — the kind sellers and listing agents take seriously. No cost, no commitment, and the conversation starts whenever you’re ready.