I use this verbiage all the time with success.
So does Mr. Winders...
"If I could qualify you for a program today, could you afford $200 a month?"
Indeed. When one call closing we need to set them up and get them into "decision making mode". To get the big decision at the end, it makes for lighter lifting if we can get little decisions along the way. An agent will get much less of the dreaded "I want to think about it".