When applying for a mortgage, it can be hard to know what you qualify for versus what you can comfortably afford. There is a difference! When you take on a mortgage, there is often some financial adjustments you have to make in your budget to make sure you can still sleep at night knowing that you can afford your payment. This is what we like to call "The Sleep Factor." Join Bill & Reina as they walk you through the steps of finding a mortgage payment that fits.

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Gaylord-Hansen's "Nobody Wants a Mortgage" podcast airs live weekly on YouTube.