Run the numbers with confidence
Three free, interactive calculators — monthly payment, affordability, and a specialized VA loan estimate. No sign-up, no waiting.
Disabled veteran? Texas veterans with 100% disability rating pay $0 property tax — set this to 0%.
Estimated Monthly Payment
$2,838
- Principal & Interest
- $2,275
- Property Tax
- $413
- Insurance
- $150
Got your numbers? Get $1,000 off.
Send us your calculation now and receive a $1,000 closing credit — exclusive to buyers who connect with us through the calculator.
Estimates for educational purposes only and not a loan offer. Actual payments vary by lender, credit, and loan program. PMI calculated at ~0.7% of loan amount/year.
What lenders look at — explained simply
Understanding these factors before you shop puts you in the strongest position. A 650+ credit score is a healthy target.
Employment
Stable job history shows lenders you can reliably make payments.
Existing Debt
Your total debt load affects how much home you can finance.
Debt-to-Income Ratio
Monthly debt obligations vs. income — a key approval metric.
Payment History
Late payments, collections, and bankruptcies weigh on approval.
Credit Score
650+ is a healthy target. Higher scores unlock better rates and approval odds.
A personal, manual credit review
Credit review at AVRG is a personal, manual process — not an instant online decision. We meet you where you are: an office visit, a home visit, or a one-on-one consultation. We'll review your situation together and build a realistic plan, rather than promising instant approval.
Want a real number, not just an estimate?
Sit down with an AVRG specialist for a personalized pre-approval game plan built around your benefits.