If after using the maximum mortgage calculator, you find that you have a mortgage value lower than what you would have liked, do not fret. There are a few ways you can improve your mortgage amount. They include making a larger down payment, making smarter decisions as to the neighborhood where you are looking to buy from, and trying to reduce your debts, even just by a little. The final factor in particular is quite important as it helps reduce your debt-to-income ratio and in some cases, improve your credit score.