I question it because this is how our worked for me. Maybe other people want something they can barely afford most of the time? 1. I go to banker for mortgage.

I question it because this is how our worked for me. Maybe other people want something they can barely afford most of the time? 1. I go to banker for mortgage. 2. Banker asks how much I would like to spend and gets financials. 3. Approved 4. I go to real estate agent and say this is what I was approved for. Never was there any pushback. I was far below my max limit.