To qualify for a home loan, lenders consider your front-end ratio and back-end ratio, says Borie. Your front-end ratio considers how much you'll spend on the cost of your mortgage principal, interest, taxes and insurance. Generally speaking, the sum of these costs cannot exceed 33 percent of your gross monthly income. Most conventional loans want it right around 28 percent, Borie says.
On average, withdrawal from Xanax lasts 2 months or more. A good rule of thumb I like to go by is the 90 day rule for any psychiatric medication. In most cases, withdrawal symptoms subside by the third month of not taking the medication.
But generally yes, I feel the onset begin in about 20 min., the effects peak in about 60-90 min. and the total duration is right around 4 hrs. That is typical of Xanax. I generally only use it for panic attacks or other times when I need relief from acute anxiety. I also take valium for General Anxiety.