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How to determine how much house you can afford
Get some free advice by talking with a mortgage broker.
If you get a skilled broker he or she will want to make sure that you have the information you need about what kind of loan you can afford based on the bank's calculations and rules.
A good place to look for a broker is at your local bank branch.
They are often available right at the branch. If not, the branch can usually provide you with the contact information for someone they recommend.