Get in Touch!

818 University Ave
Sacramento, CA 95825

Phone: (916) 736-3575
Fax: (916) 244-2697
Email: neal.smith@pcmloan.com

A few times a month, we send out useful articles and information to our clients and business partners. We would love to include you!

How Much Can You Afford?

The answer to this question depends on many variables, but we are here to help you determine the loan amount that is right for YOU. Many times people with good credit scores are approved for a home loan amount which is much higher than what they were originally expected or feel comfortable taking out.


Factors which will impact what you can afford include, what size monthly payments you are reasonable for your personal budget and income, the amount you have currently set aside for a down payment, and the amount for which are approved.

Numerous factors contribute to the home buying process and add to the importance of contacting us for your pre-application appointment. We will help and guide you from the very beginning, throughout the entire process, and even after your loan has closed. We truly strive to be “your lender for life.”

Also, check out our loan calculator and personal budget worksheet to help you to determine how much you can afford.

Email Neal at neal@teamnks.com to set up your appointment today!