How Much Housing Loan Can I Take? Expert Advice

Understanding how much housing loan you can take is crucial for making informed decisions about homeownership. At HOW.EDU.VN, we provide expert guidance to help you navigate the complexities of loan amounts, eligibility, and financial planning. Discover your borrowing potential and achieve your dream of owning a home, all while considering mortgage affordability and debt-to-income ratio.

1. What Factors Determine How Much Housing Loan I Can Take?

Several factors determine the amount of housing loan you can take, including your income, credit score, debt-to-income ratio, and the value of the property you intend to purchase. Understanding these factors is crucial for determining your borrowing capacity.

Your ability to secure a housing loan depends on a combination of financial and property-related elements. Here’s a breakdown of the key factors:

• Income: Lenders assess your income to determine your ability to repay the loan. A higher, stable income generally allows for a larger loan amount. Lenders often look for proof of consistent employment and income through pay stubs, tax returns, and bank statements.

• Credit Score: Your credit score reflects your creditworthiness. A higher credit score indicates a lower risk to the lender, potentially resulting in better loan terms and a higher loan amount. Credit scores are evaluated based on factors like payment history, outstanding debts, and length of credit history.

• Debt-to-Income Ratio (DTI): DTI compares your monthly debt payments to your gross monthly income. A lower DTI indicates that you have more income available to cover a mortgage payment, increasing your borrowing capacity. Lenders typically prefer a DTI below 43%.

• Property Value: The appraised value of the property influences the loan amount. Lenders use the appraised value to calculate the loan-to-value (LTV) ratio, which affects the loan terms. A higher property value can support a larger loan amount, but lenders may require a higher down payment to mitigate risk.

• Down Payment: The amount of your down payment affects the loan amount you need and the lender’s risk. A larger down payment reduces the LTV ratio, potentially leading to more favorable loan terms and a higher borrowing limit.

• Loan Type: Different loan types, such as conventional, FHA, or VA loans, have varying requirements and limits. Understanding the specific criteria for each loan type is essential for determining your eligibility and borrowing potential.

• Employment History: Lenders prefer borrowers with a stable employment history. Frequent job changes or periods of unemployment can raise concerns about your ability to repay the loan. Consistent employment demonstrates financial stability and reliability.

• Assets: Your assets, such as savings, investments, and other valuable possessions, can strengthen your loan application. Lenders view assets as additional security and a source of funds to cover potential financial challenges.

• Market Conditions: Economic factors, such as interest rates and housing market trends, can influence loan availability and terms. Monitoring market conditions can help you make informed decisions about when and how much to borrow.

• Lender Requirements: Each lender has its own set of guidelines and requirements. Some lenders may have stricter criteria than others, so it’s important to shop around and compare offers from multiple lenders.

Understanding these factors and how they interact is crucial for determining how much housing loan you can take. Consulting with a financial advisor or mortgage professional can provide personalized guidance and help you make informed decisions about your home financing options. At HOW.EDU.VN, our team of experts can offer tailored advice to help you navigate this complex process and achieve your homeownership goals.

2. How Does My Income Affect the Housing Loan Amount I Can Get?

Your income is a primary factor in determining the housing loan amount you can get, as lenders use it to assess your ability to repay the loan. A higher income generally translates to a larger loan amount, provided other factors are favorable.

Lenders carefully evaluate your income to ensure you can comfortably afford the monthly mortgage payments. Here’s how your income affects the housing loan amount:

• Debt-to-Income Ratio (DTI): Lenders calculate your DTI by dividing your total monthly debt payments (including the mortgage payment) by your gross monthly income. A lower DTI indicates that you have more income available to cover your debts, making you a less risky borrower.
• Affordability Assessment: Lenders use income to assess your overall affordability. They want to ensure that your housing expenses, including mortgage payments, property taxes, and insurance, do not exceed a certain percentage of your income. This percentage varies by lender but typically ranges from 28% to 36%.
• Loan Qualification: A higher income can help you qualify for a larger loan because it demonstrates your capacity to handle larger monthly payments. Lenders look for stable and consistent income sources, such as employment wages, self-employment income, or investment returns.
• Income Stability: Lenders prefer borrowers with a stable employment history and consistent income. They may request documentation such as pay stubs, tax returns, and bank statements to verify your income and employment stability.
• Impact of Additional Income: Additional income sources, such as part-time jobs, bonuses, or rental income, can also increase your borrowing potential. Lenders may consider these sources if they are consistent and documented.

For example, if your gross monthly income is $6,000 and the lender’s maximum DTI is 43%, your total monthly debt payments, including the mortgage, should not exceed $2,580. If you have $500 in other monthly debts, the maximum mortgage payment you can afford is $2,080. This payment amount will determine the maximum loan amount you can qualify for, based on current interest rates and loan terms.

According to a study by the National Association of Realtors, the median household income for homebuyers in 2023 was approximately $86,000. This income level allowed many buyers to qualify for mortgages that aligned with the median home price in their respective areas.

At HOW.EDU.VN, our financial experts can help you assess your income and determine your optimal housing loan amount. We provide personalized advice tailored to your financial situation, helping you make informed decisions about your home financing options. Contact us today at 456 Expertise Plaza, Consult City, CA 90210, United States, or via WhatsApp at +1 (310) 555-1212, or visit our website at HOW.EDU.VN for more information.

3. How Does My Credit Score Influence My Housing Loan Options?

Your credit score significantly influences your housing loan options, affecting the interest rates, loan terms, and the likelihood of approval. A higher credit score typically results in more favorable loan terms and a wider range of options.

Your credit score is a numerical representation of your creditworthiness, based on your credit history. Here’s how it impacts your housing loan options:

• Interest Rates: Borrowers with higher credit scores generally qualify for lower interest rates. Even a small difference in interest rates can save you thousands of dollars over the life of the loan.
• Loan Approval: A higher credit score increases the likelihood of loan approval. Lenders view borrowers with good credit as less risky and more likely to repay the loan on time.
• Loan Terms: Credit scores can affect the available loan terms, such as the loan duration and the amount you can borrow. Borrowers with excellent credit may be eligible for longer loan terms and higher loan amounts.
• Down Payment Requirements: Some lenders may require a lower down payment from borrowers with high credit scores. This can make homeownership more accessible for those who have saved less for a down payment.
• Loan Products: A good credit score can open up a wider range of loan products, including conventional loans, which often have more favorable terms than government-backed loans.
• Private Mortgage Insurance (PMI): If you make a down payment of less than 20% on a conventional loan, you’ll likely have to pay PMI. However, borrowers with higher credit scores may qualify for lower PMI rates.

For instance, a borrower with a credit score of 760 or higher may qualify for an interest rate of 6.5% on a 30-year fixed-rate mortgage, while a borrower with a credit score of 680 may face an interest rate of 7.5%. On a $300,000 loan, this 1% difference can result in over $60,000 in additional interest paid over the life of the loan.

According to a report by Experian, the average credit score in the United States in 2023 was 718. Borrowers with scores above this average typically have better access to credit and more favorable loan terms.

At HOW.EDU.VN, our financial experts can assess your credit score and help you understand how it impacts your housing loan options. We provide personalized advice to help you improve your credit score and secure the best possible loan terms. Contact us today at 456 Expertise Plaza, Consult City, CA 90210, United States, or via WhatsApp at +1 (310) 555-1212, or visit our website at HOW.EDU.VN for more information.

4. What Is Debt-To-Income Ratio and How Does It Limit My Loan?

The debt-to-income (DTI) ratio is a financial metric that compares your monthly debt payments to your gross monthly income, and it significantly limits the amount of housing loan you can obtain. Lenders use DTI to assess your ability to manage monthly payments.

DTI is calculated by dividing your total monthly debt payments by your gross monthly income, expressed as a percentage. Here’s how it affects your loan options:

• Definition and Calculation: DTI is calculated as follows:

  DTI = (Total Monthly Debt Payments / Gross Monthly Income) x 100

  Total monthly debt payments include all recurring debts, such as credit card payments, auto loans, student loans, and the proposed mortgage payment (including principal, interest, taxes, and insurance).

• Lender Assessment: Lenders use DTI to evaluate your ability to repay the loan. A lower DTI indicates that you have more income available to cover your debts, making you a less risky borrower.

• Maximum DTI: Most lenders prefer a DTI below 43%. However, some lenders may accept higher DTIs depending on other factors, such as your credit score, down payment, and assets.

• Impact on Loan Amount: A high DTI can limit the amount you can borrow because it indicates that a larger portion of your income is already allocated to debt payments. Lenders may reduce the loan amount to ensure your monthly payments remain affordable.

• Example: If your gross monthly income is $5,000 and your total monthly debt payments are $2,000, your DTI is 40%.

  DTI = ($2,000 / $5,000) x 100 = 40%

  In this case, you would likely qualify for a larger loan compared to someone with the same income but higher debt payments.

According to a study by the Consumer Financial Protection Bureau (CFPB), borrowers with DTIs above 43% are more likely to struggle with mortgage payments. Lenders use this information to set DTI limits and manage risk.

At HOW.EDU.VN, our financial experts can help you calculate your DTI and assess its impact on your loan options. We provide personalized advice to help you manage your debts and improve your DTI, increasing your chances of securing a larger loan with favorable terms. Contact us today at 456 Expertise Plaza, Consult City, CA 90210, United States, or via WhatsApp at +1 (310) 555-1212, or visit our website at HOW.EDU.VN for more information.

5. How Does the Loan-To-Value Ratio (LTV) Affect How Much I Can Borrow?

The loan-to-value (LTV) ratio, which compares the loan amount to the appraised value of the property, significantly affects how much you can borrow. A lower LTV indicates a smaller loan relative to the property’s value, often resulting in more favorable loan terms.

LTV is calculated by dividing the loan amount by the appraised value of the property, expressed as a percentage. Here’s how it impacts your borrowing potential:

• Definition and Calculation: LTV is calculated as follows:

  LTV = (Loan Amount / Appraised Value of Property) x 100

  For example, if you are buying a home appraised at $400,000 and you need a loan of $320,000, the LTV is 80%.

  LTV = ($320,000 / $400,000) x 100 = 80%

• Risk Assessment: Lenders use LTV to assess the risk associated with the loan. A lower LTV indicates that you have more equity in the property, reducing the lender’s risk in case of default.

• Impact on Loan Terms: Lower LTVs typically result in more favorable loan terms, such as lower interest rates and the elimination of private mortgage insurance (PMI).

• PMI Requirements: If your LTV is above 80% (meaning you have a down payment of less than 20%), lenders typically require you to pay PMI on conventional loans. PMI protects the lender if you default on the loan.

• Maximum LTV: Lenders set maximum LTV limits based on the loan type and borrower qualifications. For example, some loans may require a maximum LTV of 95%, while others may allow up to 100% for qualified borrowers.

• Example: If you have a higher down payment, resulting in a lower LTV, you may qualify for a lower interest rate and avoid paying PMI. This can save you a significant amount of money over the life of the loan.

According to data from Freddie Mac, borrowers with LTVs of 80% or lower generally receive better interest rates than those with higher LTVs. This is because lower LTVs represent less risk to the lender.

At HOW.EDU.VN, our financial experts can help you understand the impact of LTV on your loan options. We provide personalized advice to help you optimize your down payment and secure the best possible loan terms. Contact us today at 456 Expertise Plaza, Consult City, CA 90210, United States, or via WhatsApp at +1 (310) 555-1212, or visit our website at HOW.EDU.VN for more information.

6. What Are the Different Types of Housing Loans Available?

Understanding the different types of housing loans available is crucial for selecting the option that best fits your financial situation and homeownership goals. Each loan type has unique requirements, benefits, and limitations.

Here’s an overview of the common types of housing loans:

• Conventional Loans:
  • Definition: Conventional loans are not backed by a government agency and are typically offered by private lenders.
  • Requirements: These loans often require a higher credit score and a larger down payment compared to government-backed loans.
  • Benefits: Conventional loans may offer more flexible terms and lower interest rates for borrowers with excellent credit.
• FHA Loans:
  • Definition: FHA loans are insured by the Federal Housing Administration and are designed to help borrowers with lower credit scores and smaller down payments.
  • Requirements: FHA loans require mortgage insurance, both upfront and annually, regardless of the down payment amount.
  • Benefits: FHA loans are more accessible to first-time homebuyers and those with less-than-perfect credit.
• VA Loans:
  • Definition: VA loans are guaranteed by the U.S. Department of Veterans Affairs and are available to eligible veterans, active-duty service members, and surviving spouses.
  • Requirements: VA loans often do not require a down payment or private mortgage insurance.
  • Benefits: VA loans offer favorable terms, such as lower interest rates and flexible credit requirements, making homeownership more affordable for veterans.
• USDA Loans:
  • Definition: USDA loans are offered by the U.S. Department of Agriculture and are designed to promote homeownership in rural and suburban areas.
  • Requirements: USDA loans are available to borrowers who meet specific income and property eligibility requirements.
  • Benefits: USDA loans often do not require a down payment and offer competitive interest rates.
• Fixed-Rate Mortgages:
  • Definition: Fixed-rate mortgages have an interest rate that remains constant throughout the loan term.
  • Benefits: Fixed-rate mortgages provide predictable monthly payments, making it easier to budget for housing expenses.
• Adjustable-Rate Mortgages (ARMs):
  • Definition: ARMs have an interest rate that can change periodically based on market conditions.
  • Benefits: ARMs may offer lower initial interest rates compared to fixed-rate mortgages, but the rates can increase over time.

According to the Mortgage Bankers Association, fixed-rate mortgages are the most popular choice among homebuyers, accounting for approximately 90% of all mortgage applications. This preference is due to the stability and predictability they offer.

At HOW.EDU.VN, our financial experts can help you evaluate the different types of housing loans and determine which option is best suited to your needs. We provide personalized advice to help you make informed decisions about your home financing options. Contact us today at 456 Expertise Plaza, Consult City, CA 90210, United States, or via WhatsApp at +1 (310) 555-1212, or visit our website at HOW.EDU.VN for more information.

7. Can I Increase My Chances of Getting Approved for a Higher Loan?

Yes, there are several strategies you can employ to increase your chances of getting approved for a higher loan. These strategies focus on improving your financial profile and demonstrating your creditworthiness to lenders.

Here are some effective ways to increase your chances of getting approved for a higher loan:

• Improve Your Credit Score:
  • Pay Bills on Time: Consistent and timely payments are crucial for improving your credit score.
  • Reduce Credit Card Balances: Lowering your credit card balances can improve your credit utilization ratio, positively impacting your score.
  • Check Your Credit Report: Review your credit report for errors and dispute any inaccuracies.
• Lower Your Debt-to-Income Ratio (DTI):
  • Pay Off Debts: Reducing your outstanding debts can significantly lower your DTI.
  • Avoid New Debt: Refrain from taking on new debt before applying for a mortgage.
• Increase Your Income:
  • Seek a Raise: Negotiate a higher salary with your employer.
  • Find a Second Job: Supplement your income with a part-time job or freelance work.
• Save for a Larger Down Payment:
  • Reduce Loan Amount: A larger down payment reduces the loan amount needed, lowering the lender’s risk.
  • Improve LTV Ratio: A higher down payment improves your loan-to-value ratio, potentially leading to better loan terms.
• Gather Thorough Documentation:
  • Income Verification: Provide accurate and complete documentation of your income, such as pay stubs, tax returns, and bank statements.
  • Asset Verification: Document your assets, including savings accounts, investment accounts, and other valuable possessions.
• Choose the Right Loan Program:
  • Assess Loan Options: Explore different loan programs to find one that aligns with your financial situation and goals.
  • Consider Government-Backed Loans: FHA, VA, and USDA loans may offer more flexible requirements for qualified borrowers.

According to a study by the Federal Reserve, borrowers who take steps to improve their credit scores and lower their DTI are more likely to be approved for mortgages with favorable terms.

At HOW.EDU.VN, our financial experts can provide personalized advice to help you improve your financial profile and increase your chances of getting approved for a higher loan. Contact us today at 456 Expertise Plaza, Consult City, CA 90210, United States, or via WhatsApp at +1 (310) 555-1212, or visit our website at HOW.EDU.VN for more information.

8. What Role Does the Down Payment Play in Securing a Housing Loan?

The down payment plays a significant role in securing a housing loan, affecting the loan amount, interest rate, and the need for private mortgage insurance (PMI). A larger down payment can result in more favorable loan terms and increased affordability.

Here’s how the down payment impacts your ability to secure a housing loan:

• Loan Amount: A larger down payment reduces the amount you need to borrow, decreasing the overall cost of the loan.
• Interest Rate: Borrowers who make larger down payments may qualify for lower interest rates. A lower interest rate can save you thousands of dollars over the life of the loan.
• Private Mortgage Insurance (PMI): If you make a down payment of less than 20% on a conventional loan, you’ll likely have to pay PMI. A larger down payment can help you avoid PMI, saving you money each month.
• Loan-to-Value Ratio (LTV): A larger down payment results in a lower LTV ratio, indicating that you have more equity in the property. Lenders view lower LTVs as less risky, potentially leading to better loan terms.
• Approval Odds: A larger down payment can increase your chances of loan approval, especially if you have a less-than-perfect credit score or a higher DTI.
• Affordability: A smaller loan amount means lower monthly payments, making homeownership more affordable.

For example, consider a home priced at $400,000. If you make a 5% down payment ($20,000), you’ll need to borrow $380,000. With a 20% down payment ($80,000), you’ll only need to borrow $320,000. The smaller loan amount can result in lower monthly payments and significant savings on interest over the life of the loan.

According to a survey by the National Association of Realtors, the median down payment for first-time homebuyers in 2023 was 8%, while repeat buyers typically made a down payment of 17%. The larger down payment among repeat buyers reflects their ability to use equity from the sale of their previous home.

At HOW.EDU.VN, our financial experts can help you determine the optimal down payment amount based on your financial situation and goals. We provide personalized advice to help you make informed decisions about your home financing options. Contact us today at 456 Expertise Plaza, Consult City, CA 90210, United States, or via WhatsApp at +1 (310) 555-1212, or visit our website at HOW.EDU.VN for more information.

9. How Can a Co-Signer or Guarantor Help Me Get a Larger Loan?

A co-signer or guarantor can help you get a larger loan by providing additional security to the lender, especially if you have a limited credit history, low income, or a high debt-to-income ratio. Their involvement can improve your chances of approval and potentially increase the loan amount.

Here’s how a co-signer or guarantor can assist you:

• Definition of Co-Signer and Guarantor:
  • Co-Signer: A co-signer is someone who agrees to be equally responsible for repaying the loan if you default. They have the same legal obligations as the primary borrower.
  • Guarantor: A guarantor also agrees to repay the loan if you default, but their obligation may be secondary to yours. The specific terms depend on the loan agreement.
• Improved Approval Odds: A co-signer or guarantor with a strong credit history and stable income can improve your chances of loan approval. Their financial strength reassures the lender that the loan will be repaid.
• Increased Loan Amount: With a co-signer or guarantor, lenders may be willing to approve you for a larger loan than you would qualify for on your own. This can help you purchase a more expensive property or consolidate debts.
• Lower Interest Rates: In some cases, having a co-signer or guarantor can help you secure a lower interest rate. This is because the lender perceives less risk with the added financial security.
• Requirements and Considerations:
  • Creditworthiness: Co-signers and guarantors must have good credit and a stable income.
  • Legal Obligations: They need to understand their legal obligations and the potential risks involved.
  • Impact on Credit: The loan will appear on their credit report, and any missed payments can negatively impact their credit score.
• Example: If you are a recent graduate with limited credit history, a parent or family member with a strong credit profile could co-sign your mortgage. This would increase your chances of approval and potentially allow you to borrow a larger amount.

According to data from Experian, loans with co-signers or guarantors have a lower default rate compared to loans without them. This is because the added financial security reduces the lender’s risk.

At HOW.EDU.VN, our financial experts can help you evaluate the benefits and risks of using a co-signer or guarantor. We provide personalized advice to help you make informed decisions about your home financing options. Contact us today at 456 Expertise Plaza, Consult City, CA 90210, United States, or via WhatsApp at +1 (310) 555-1212, or visit our website at HOW.EDU.VN for more information.

10. What Are the Potential Risks of Taking Out a Large Housing Loan?

Taking out a large housing loan can provide the opportunity to own a home, but it also comes with potential risks that require careful consideration. Understanding these risks is crucial for making responsible financial decisions.

Here are some potential risks of taking out a large housing loan:

• Increased Monthly Payments: A larger loan means higher monthly payments, which can strain your budget and limit your financial flexibility.
• Higher Interest Costs: The more you borrow, the more interest you’ll pay over the life of the loan. This can significantly increase the total cost of homeownership.
• Risk of Foreclosure: If you encounter financial difficulties, such as job loss or unexpected expenses, you may struggle to make your mortgage payments. This can lead to foreclosure, resulting in the loss of your home and damage to your credit.
• Limited Financial Flexibility: A large mortgage can limit your ability to save for retirement, invest, or pursue other financial goals. It’s important to balance your housing expenses with your long-term financial plans.
• Impact of Interest Rate Changes: If you have an adjustable-rate mortgage (ARM), your interest rate can increase over time, leading to higher monthly payments. This can make it difficult to budget and manage your finances.
• Property Value Fluctuations: If property values decline, you could end up owing more on your mortgage than your home is worth. This is known as being “underwater” on your mortgage and can make it difficult to sell or refinance your home.
• Opportunity Cost: The money you spend on a large mortgage could be used for other investments or opportunities. It’s important to consider the opportunity cost of taking out a large loan.
• Maintenance and Repair Costs: Owning a home comes with ongoing maintenance and repair costs. These expenses can add up over time and further strain your budget.

According to a report by the Urban Institute, borrowers who take out large mortgages relative to their income are more likely to default on their loans. This highlights the importance of borrowing responsibly and considering your ability to repay the loan.

At HOW.EDU.VN, our financial experts can help you assess the potential risks of taking out a large housing loan. We provide personalized advice to help you make informed decisions about your home financing options and manage your finances responsibly. Contact us today at 456 Expertise Plaza, Consult City, CA 90210, United States, or via WhatsApp at +1 (310) 555-1212, or visit our website at HOW.EDU.VN for more information.

Navigating the complexities of housing loans requires expert guidance. At HOW.EDU.VN, our team of over 100 renowned PhDs and experts are dedicated to providing personalized advice tailored to your unique financial situation. We understand the challenges you face in finding reliable, high-quality advice and are committed to offering solutions that save you time and money.

Don’t navigate these crucial financial decisions alone. Contact us today to connect with our experts and receive the support you need to achieve your homeownership goals with confidence.

Contact us today:

Address: 456 Expertise Plaza, Consult City, CA 90210, United States
WhatsApp: +1 (310) 555-1212
Website: HOW.EDU.VN

FAQ Section

Q1: How is my maximum housing loan amount determined?

Your maximum housing loan amount is determined by factors such as your income, credit score, debt-to-income ratio (DTI), down payment, and the appraised value of the property. Lenders assess these factors to determine your ability to repay the loan.

Q2: What credit score is needed to get a good housing loan?

A credit score of 700 or higher is generally considered good and can help you qualify for better interest rates and loan terms. However, some lenders may offer loans to borrowers with lower scores, though potentially at higher rates.

Q3: How does my debt-to-income ratio (DTI) affect my loan options?

A lower DTI indicates that you have more income available to cover your debts, making you a less risky borrower. Most lenders prefer a DTI below 43%. A higher DTI may limit the amount you can borrow.

Q4: What is the loan-to-value (LTV) ratio and why is it important?

The loan-to-value (LTV) ratio is the loan amount divided by the appraised value of the property. A lower LTV means you have more equity in the property, which can result in better loan terms and lower interest rates.

Q5: What are the different types of housing loans available?

Common types of housing loans include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages (ARMs). Each has different requirements, benefits, and limitations.

Q6: Can I increase my chances of getting approved for a higher loan?

Yes, you can increase your chances by improving your credit score, lowering your DTI, increasing your income, saving for a larger down payment, and gathering thorough documentation.

Q7: What role does the down payment play in securing a housing loan?

The down payment affects the loan amount, interest rate, and the need for private mortgage insurance (PMI). A larger down payment can result in more favorable loan terms and increased affordability.

Q8: How can a co-signer or guarantor help me get a larger loan?

A co-signer or guarantor with a strong credit history and stable income can provide additional security to the lender, improving your chances of approval and potentially increasing the loan amount.

Q9: What are the potential risks of taking out a large housing loan?

Potential risks include increased monthly payments, higher interest costs, the risk of foreclosure, limited financial flexibility, and the impact of interest rate changes.

Q10: Where can I get expert advice on determining how much housing loan I can take?

You can get expert advice at HOW.EDU.VN. Our team of PhDs and financial experts provides personalized advice tailored to your unique financial situation. Contact us at 456 Expertise Plaza, Consult City, CA 90210, United States, via WhatsApp at +1 (310) 555-1212, or visit our website at how.edu.vn.