Affordability
Affordability is PITI (principal, interest, taxes, insurance), plus HOA if any, plus cash to close, plus a reserve for repairs. A payment meme is not a budget.
Lenders use debt-to-income and other underwriting rules. MoJo helps you shop homes in a band that matches what a lender actually supports — not what a Zillow filter suggests.
Direct: Stretching to the absolute max approval often creates house-poor stress. Leave margin.
See affordability basics and closing costs. A lender confirms your underwritable range; MoJo helps you tour within it.
Search, showings, negotiations, inspections, and closing coordination. MoJo is not a lender and does not set rates, approve loans, or run DPA programs.
Compare Loan Estimates. Ashley Jones (NMLS 1739681), First State Bank Mortgage, is an optional preferred review partner — not required. No promised rates.
Compare her Loan Estimate against others. MoJo does not require any lender.
Start Ashley’s FSB application
First State Bank Mortgage is a division of First State Bank of St. Charles, MO, NMLS ID: 416668. Equal Housing Lender. Authorized to lend in all 50 states. Not a loan commitment. All loans subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions can change without notice. Restrictions may apply.
MoJo for KS/MO representation. Straight answers on process, neighborhoods, and offers — no rate hype.
(816) 268-6068