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Top 10 First Time Homebuyer Mistakes! Your Smart Money Moves - oXYGen Financial 1.Buying more house than you can afford. Typically, you don’t want your mortgage payment to be more than 28% to 34% of your monthly income. For example, if your monthly income is $5,000, a total mortgage payment of $1,500 will be in the ball park. Of course, you need to include all of your overall debt payments which should never be more than 40% to 45% of your overall bills. 2.Not putting 20% down. This will seem like a very hard goal for people buying their first house, but it has a r...
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