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· When it’s time to buy a house, though, which figure should you use when deciding how much home you can afford? This is an interesting question. When you apply for a mortgage loan, your lender will rely on your gross monthly income to determine how many mortgage dollars to lend to you.
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Buying a home can be thrilling and nerve-wracking at the same time. Not only is it probably the biggest purchase of your life, but the process can also be complicated, with its unfamiliar jargon and surprise expenses..