The 2009 Recession took a toll on the housing market with many homeowners over extended. The Mortgage Affordability Calculator helps you prevent your next personal recession by showing you, your affordability of housing from just your income and the current mortgage interest. Then when you are ready, this app will help you find a home within your affordability range. Once you know what you can afford based on your income, you have a choice of searching either Realtor.com, Trulia.com and Zillow.com for homes up to your maximum affordability price. When you initiate a search, realtor.com and trulia.comm will prompt you to download their mobile, just decline the download to get your custom search results. The calculations are based on a 15 year mortgage term with 3% down payment. A home is the most expensive purchase most people will make in their lifetime, while low monthly payments are attractive on a 30 year term, you gain the freedom and satisfaction of living rent free after 15 years. Plus the payment difference between a 15 year and 30 year is not much difference, but the equity build up is tremendous on a 15 year term. Also when you own your own home, if you are a transient worker that always moves around every two years, a home is a great investment for retirement and you can normally legally sublet your own home (*subject to verification for your jurisdiction) through craigslist, subliet.com, or even short term vacation travelers through airbnb, homeaway, 9flats, flipkey. ALSO SEARCH FOR GOVERNMENT FORECLOSURES!