debt to income calculator

Why affordability calculators with so little return?

When I enter the information into a calculator on a website that offers, ie they can not afford a mortgage of 300ish a month. I currently pay almost $ 700 per month in rent and do it well, and I could pay more and still be good. Where come with that? If I had to talk to a loan officer at a bank, would do something similar and I do not approve for a very small amount? I mean, probably may pay the amount they say I can pay 3 times in a month. A little information here. I was the calculation of gross income (which includes me and my boyfriend together) around 3500, the total debt payments required each month to 500 (excluding mortgage or rent expenses related). And the number became 300. Someone please enlighten me, maybe I'm missing why they think I'm so poor. I'm trying to get approved for a loan of 110,000. They are also eligible for a loan VA if that helps.

Any mortgage professional, I talked to (over 20) said the total housing payment should be 35% or less of your gross monthly income. This means your principal, interest, taxes and insurance would be $ 1,225. That, depending on taxes and insurance, means you can give a $ 120,000 – $ house 140,000 (also depending on your payment).