So, you took my advice and talked to a mortgage lender to get a sense of what you are qualified to spend and to get a feel for potential mortgage payments.

Great!

You had been hoping to spend up to $350K on a house.

But your lender said you could spend up to $475K on a house!

But... when you look at the monthly mortgage payment associated with a $450K home purchase...

WOW!!!

How does your lender expect you to pay this much per month, and still have money for other life expenses, travel, emergency savings, etc.?!?

This is not an uncommon place to be.

Plenty of well qualified buyers discover that their lender will qualify them for a home purchase price that would involve a monthly mortgage payment much higher than is comfortable.

So... start with a conversation with your lender about how high you *could* go on price... but be prepared to possibly need to do a bit more work with your lender to dial back that potential purchase price until you get to a monthly mortgage payment that is comfortable for you!