How Much Can You Borrow?

How much you can borrow will depend on your income, down payment, job stability, existing debts, credit references and payment history. Lenders usually use the following two qualifying guidelines to decide how much of a loan you can manage:

• Your monthly housing expenses - mortgage payment, property taxes, insurance, etc. These expenses should be no more than 28 percent of your monthly gross income.
  
• Your monthly living expenses and any long-term debts - utilities, car and school loan, child support, health and car insurance, etc. These expenses should be no more than 36 percent of your monthly gross income.

HAPPY CLIENTS!
“You were just amazing!  What a team!”
C. & Leona P. Oxnard, CA
– 5 home sales
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"You really do things right every time!"
Mary Jane S. Camarillo, CA
-- 3 home sales
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“You're wonderful, Elenita!"
Henry & Luz M. Oxnard, CA
-- 1 land sale
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WE WORK WITH YOUR:
Banks, Attorneys, Probate,
Trusts, Investors, CPA's
Both MLS & Non-MLS 
Fixers to Great Houses
Plus Tenant Issues &
LUXURY HOMES
More Happy Clients!
"You were professional yet
understanding. Your knowledge
and expertise aided us In
making sound decisions.
Thank you and your staff
for all you did for us."
Emily R.  Oxnard, CA
Santa Paula, California
-- 1 trust/probate sale
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"I will definitely refer people
to you!  You were great!" 
Kevin M., T. Oaks
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"Your service is superb!
You are really a "Dream Team"
so easy to work with."   
Edward B., Camarillo
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"Thank you, Elenita! You're the best!" 
Tammy M., Simi Valley
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"We couldn't have done it without
you." Jean M., Newbury Park
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OUR AMAZING TEAM:
 

Michelle McDaniel
Transaction Coordinator
michelledtcsolutions@gmail.com

Crystal Schneider
 Home Staging 
VA & Senior Svc.
Crystal@Elenita.com

Joshua Schneider
Sales, Marketing
& Photography
Joshua@Elenita.com