Remote Worker Employer Nexus Calculator

Quick Summary

Ensure your remote job meets lender requirements. Some underwriters penalize out-of-state workers if their employer doesn't have a clear remote work policy. This tool tests your locational risk.

Calculator

Your Inputs

Base Salary ($)

Distance to Employer HQ (Miles)

Time Working Fully Remote (Months)

Expected Interest Rate (%)

Your Estimates

Monthly Qualifying Income

$9,167

Max Estimated Loan Amount

$627,922

Assumes a 45% DTI ratio

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Frequently Asked Questions

Why does the lender care how far I live from my employer?

If you buy a house 1,000 miles from your office, the lender needs written proof from your HR department that you are allowed to work fully remote indefinitely.

What if my employer refuses to provide a remote work letter?

Without an employer letter, the underwriter may assume you will quit your job when you move, and they will exclude your income entirely.