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A blog to help homeowners and those who want to live in Memorial


 Find Out What You Can Afford

A rule of thumb  is not to exceed 28 to 30% of you and your mate's monthly gross income when you add up the principal mortgage payment (P), the monthly interest payment (I), the monthly tax expense (T) and monthly insurance(I) of your potential new home. This is called your PITI and should not exceed the above percentage of gross income. Gross income is the amount you earn before taxes and expenses are deducted from your paycheck.
If, in your calculations, you include overtime pay, check with your Loan Officer as to the feasibility of doing so as usually lenders have certain qualifying specifications that must be met in this regard.

Since Memorial is affordable in some degree, to nearly everyone, it is not a question of IF you could afford to live here but rather what price range you can be comfortable choosing. Check the MLS Home Search section of this website to see the price ranges in our area for Townhomes, Condos and Single Family Dwellings.

For a realistic pre-qualification, contact David Richards at

For more information on buying a home please contact me or visit or Buying page.

Information About Broker Services

AlphaMax Realty, Inc.

10333 Harwin Dr #415   Houston TX 77036

Direct Phone: 713-465-0524           Mobile: 713-208-5599
        Fax: 713-465-4040



By submitting personal information such as name, address, phone number, email address and/or additional data, the real estate client/prospect consents that Joni Richards or her authorized representative may contact client/prospect by phone, U.S. Postal System, or e-mail whether or not client/prospect is participating in a state or federal or other "do not contact" program of any type

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