Don’t Become HOUSE POOR! Why Buyi...

Don’t Become HOUSE POOR! Why Buying at Your Max Pre-Approval Can Hurt You

It Pays To Have Good Credit by Christopher Stirgus

Aug 11, 2026

08:21

Episode notes

👉 In this episode you’ll learn: Just because a lender approves you for a certain amount doesn't mean you should spend that much on a house.

In this episode of the It Pays To Have Good Credit Podcast, Christopher Stirgus, owner of Stirgus Credit Repair, talks with Austin Edwards, known as Austin the Mortgage Man, about one of the biggest mistakes homebuyers can make: becoming house poor by purchasing a home at the absolute maximum of their mortgage pre-approval.

We break down what your mortgage pre-approval actually means, why being approved for more doesn't necessarily mean you can comfortably afford more, and how buying at your maximum approval amount can affect your finances after closing. We also discussed if Dave Ramsey advice on financing a home is still relevant in today's world.

Full epsiode will be released on August 13th 2026 at 5am (MST)

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