A strong mortgage decision begins with a clear understanding of your financial health. At Structural Mortgage Loans, our Financial Assessment process is designed to give you confidence, clarity, and a realistic view of how much home you can comfortably afford.
What We Review During Your Financial Assessment
✔ Income & Cash Flow
We analyze your regular income sources, variable earnings, or self-employment revenue to understand your long-term repayment capacity.
✔ Credit Profile
Your credit history helps us evaluate loan options, interest rates, and programs that fit your financial background — even if your credit isn’t perfect.
✔ Debt-to-Income Ratio (DTI)
This helps us determine how much of your monthly income goes toward loans, credit cards, and other commitments.
✔ Savings & Available Funds
Down payment resources, reserves, and closing-cost planning play a key role in choosing the right mortgage type.
✔ Long-Term Goals
Whether you’re buying your first home, upgrading, or refinancing, we align your loan strategy with your financial future.
Why Our Financial Assessment Matters
- Avoid surprises later — know exactly what you qualify for.
- Explore better loan options with a full financial picture.
- Get customized mortgage solutions, not one-size-fits-all advice.
- Make confident decisions based on your true buying power.
At Structural Mortgage Loans, we don’t just approve loans — we help you understand your finances so you can move forward with confidence.