W2 BUYERS

Most buyers get approved for the wrong house.

This tool answers one question fast: can you afford the house you want without stretching your file into denial risk. Enter a target home price first, then your income and debts.

Target home price first DTI reality check Payment proxy + taxes On-screen readiness report
If your DTI is too tight, you don’t just risk a “no.” You risk losing time, appraisal money, and momentum after you’re emotionally attached.

W2 Readiness Calculator

Start with the house. Then we test your numbers. This is planning, not underwriting.

Anchor to the home you actually want.
Percent of purchase price.
If unsure, keep the default. You can refine later.
0 if none.
Use your base + consistent overtime/bonuses if stable.
Credit cards, auto, student loans, etc.
Used to flag pricing sensitivity and program fit.
Planning only. Final depends on AUS and full liabilities.
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Estimated Payment Proxy (P+I + Taxes + HOA)
$0
Principal/interest proxy + property taxes + HOA
Estimated DTI
Not Calculated
Debts + housing ÷ gross income
Buying Power Gap
$0
Difference between target and supported price proxy
Risk Flag
Not Calculated
Pricing + DTI stress risk
Planning tool only. Final approval depends on lender guidelines, AUS findings, and full documentation.

Unlock Your Readiness Report

Enter your name, phone, and email. We email your contact info to the team for follow-up. The report displays instantly on screen.

No report email is sent. Contact info only.
By submitting, you agree to be contacted about mortgage readiness. No spam.
Dr. Robert McNeill | NMLS #844916 | Matador Lending LLC | 832-701-8144