Please choose the correct ending to complete the given sentence: Home and Garden: [header] How to get a mortgage [title] Estimate your home payment capacity. [step] In order to apply for a mortgage, you should first determine what kind of a monthly payment you can afford. Take an inventory of all your monthly expenses and compare it to your monthly income.

Ending1: Use these figures to establish a budget that allows room for a monthly mortgage payment. [substeps] Remember to factor in all of the costs of home ownership, including insurance, taxes, and maintenance. Ending2: Figure out what you can afford to pay off each month if you owe for your home. [substeps] A monthly mortgage must be at least $15 , 000 for most people; however, businesses may need to subsidize their monthly uses. Ending3: [substeps] This will help you determine the minimum amount of your monthly monthly monthly payment that your home will total per month. Depending on the type of mortgage you are interested in, this can be as simple as dividing your monthly costs by 550 to get a relatively large amount of your monthly payment. Ending4: Compare your monthly expenses with the total monthly payment for the entire amount of your mortgage. [substeps] Most lenders make mortgage payments several times during the month and estimate your annual monthly expenses against your monthly payment.

Answer format: ending1/ending2/ending3/ending4