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Orem:

424 S. State
Orem UT
800-925-6059

Spanish Fork:

212 S Main St. #1
Spanish Fork UT
801-798-1200

American Fork:

85 E Main St
American Fork UT
801-492-1400

Affordability Calculator / How much house can I afford?

Debt to Income Ratios
Front Ratio %	Back Ratio %
Generally you won't have to modify the debt to income ratios in this calculator. The standard debt to income ratio is 33/38. If you wish to adjust these settings consider the following: The front ratio is the percentage of your monthly gross income (before taxes) that is used to pay your housing costs, including principal, interest, taxes, insurance, mortgage insurance (when applicable) and homeowners association fees (when applicable). The back ratio is the same thing, only it also includes your monthly consumer debt. For the purposes of this calculator, input the maximum percentages that your lender will allow when extending a loan.
Other Information
Gross Income:	$
Down Payment	$
Monthly Consumer Debt Payments	$
Anticipated Interest Rate %	Term of Loan years

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