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John Smith

82% Confident

Sarah has reviewed your financial picture. Two items are holding back your optimal pricing.

View Buying Power

Annual Income

$255K+12% YoY

Liquid Assets

$318K

Buying Power

$780K

Up to this price

Monthly Debt

$850

Existing obligations

Credit Score

748

Very Good

Qualifies for best conventional pricing

Out of 850

Debt-to-Income

Front-end DTI28%
0–28%
28–36%
36%+
Back-end DTI32%
0–36%
36–43%
43%+
SC
Sarah Chen·Your Mortgage Advisor
Both DTI ratios are healthy. Adding rental income would bring your back-end to 28%.

Income Sources

Base Salary — Stripe, Inc.
$195,000
RSU Vesting Income
$42,000
Rental Income — Condo
$18,000

Unverified — confirm to include in qualifying income

Total Annual$255,000

Assets

Chase Checking
$38,500
Ally HYSA
$94,000
Schwab Brokerage
$185,000
401(k) — Fidelity
$312,000
Roth IRA
$68,000
Liquid$317,500

Monthly Obligations

Tesla Model Y Auto Loan$724/mo
Chase Sapphire (Revolving)$126/mo
Total Monthly$850

Your Homeownership Journey

Pre

2

Buyer

3

Contract

4

Owner

5

Refi

6

Move Up

Active Buyer

You're actively searching and preparing to make an offer. Your financing is in motion.

Open items that affect your pricing

  • Rental income verification needed
  • 2022 tax return not yet uploaded
Resolve

Your Stability Buffer

SC
Sarah Chen·Your Mortgage Advisor

Based on a review of your profile, here's how your payment holds up under income stress scenarios — so you can move forward with confidence.

Income −10%

29% DTI✓ Stable

Income −20%

32% DTI✓ Stable

Income −30%

37% DTI⚠ Stretch

Emergency fund coverage

6 months of payments

Your buying power range

Based on verified income, assets, and credit — today.

$550,000$780,000

Explore
SC

Sarah Chen has a thought for you.

Your Mortgage Advisor

You're in a strong position. Before finalizing a scenario, let's talk through one thing I want to make sure you feel good about.