Home loans
Investor loans
Equity & retirement
Home / Blog
Guides · Pick My Mortgage Rate
Plain-English articles on loan programs, buying a home, refinancing, and home equity, so you can walk into your next conversation with a lender knowing the basics.
Written by Jerry Kindig, licensed mortgage broker, NMLS #2397823.
Jerry L Kindig IIILearn how lenders calculate real home affordability using debt-to-income ratio, with a worked example, step-by-step process, and free rate check.
Jerry L Kindig IIILearn exactly which documents you need for mortgage pre-approval, how DTI is calculated, and why pre-approval beats pre-qualification when making an offer.
Leave your name, email, and phone, and we will let you know when new guides are posted.
Articles are general education, not a loan offer or commitment. All loans are subject to approval.
Articles explain the basics. For your situation, talk with a licensed loan officer or compare options yourself.
Jerry Kindig, a licensed mortgage broker (NMLS #2397823) with Pick My Mortgage Rate, powered by Loan Factory (NMLS #320841).
No. Articles are general education about mortgages. They are not a loan offer, a rate quote, or a commitment to lend. All loans are subject to approval, and your options depend on your situation.
Use the blog sign-up form on this page to leave your name, email, and phone, and we will let you know when new guides are posted.
Yes. Call or text (480) 526-4505, email [email protected], or use the contact page, and a licensed loan officer will follow up.