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That was exactly my thought too. I would tell everything to the BA including what my 20 year plan is! Last time I told my BA the range 350-400 and we ended up buying for 360K It is interesting BAs & brokers want the max to be disclosed... but most others do not. Is it because they deal with...

They will always target above your max :) I think it is best not to tell them how much you can afford. Otherwise they would know that you can be pushed to that max!