Hey,

Mortgage calculators are everywhere, and they’re a great first step when you’re thinking about buying a home. But it’s important to know this: mortgage calculators don’t tell the whole story.

What mortgage calculators do well:

• Estimate monthly payments
• Show how rates or amortization affect payments
• Help you ballpark affordability

What they don’t include:

• Lender-specific rules and qualifications
• Property taxes, heating, or condo fees (used in approvals)
• Credit score impact
• Different income types and how they’re calculated
• Stress test requirements

Because of this, the number you see online can be very different from what a lender will actually approve or what’s truly comfortable for your budget.

Mortgage calculators are a helpful guide, but they’re not a mortgage approval and not a financial plan. Real advice is always personalized.

If you want real numbers you can rely on, reply to this email or schedule a call and let’s review your situation and build a mortgage plan that actually fits your life.

Have a great day,

Abdoul Traore | Mortgage Agent Level 1 | 416.315.5910 | abdoul@traoremortgage.com | www.traoremortgage.com

Mission35 Mortgages Lic. 12844