Honestly, I had the same reaction—felt like the bank was living in a different reality than I was. They didn’t factor in my student loans, daycare, or even how much I like to travel. It’s wild how much they’ll approve you for just based on gross income. Did anyone else find themselves recalculating what “affordable” really meant after seeing those numbers? Sometimes I wonder if people actually borrow that full amount or if most folks pull back.
It’s wild how much they’ll approve you for just based on gross income.
Right? It’s like banks assume you don’t eat or have hobbies. I remember my “approved” number and literally laughed—there’s no way I’d want that kind of monthly payment stress. I always tell people, just because you can borrow it doesn’t mean you should. The real affordability test is what actually fits your life, not what fits their spreadsheet.
I swear, when I saw my pre-approval amount, I thought the bank must think I’m living on ramen and dreams. No way I’m giving up takeout and vacations just to impress their calculator. I’d rather have a smaller house and a life, thanks.
