An underwriter never asks whether you feel like you can afford the house. They run two divisions, and both have to land under a ceiling.
You gross $7,000 a month. The lender is not looking at your savings discipline or the fact that you cook at home. They are running two divisions, and both have to land under a ceiling before your file gets an approval. Everything else in the process is downstream of those two numbers.
— Educational, not financial advice.