09/05/2026
Good credit can open doors.
But good credit does not erase high monthly debt.
That is where DTI comes in.
DTI stands for debt to income ratio. It looks at how much of your monthly income is already committed to debts such as car payments, credit cards, student loans, and other obligations.
You can have a strong credit score and still have fewer mortgage options if too much of your income is already spoken for.
That is why small monthly debts matter more than many buyers realize.
The goal is not just to get approved.
The goal is to understand your numbers and build a payment that still fits your life.
Before you start shopping for a home, know your DTI.
Follow for practical mortgage strategy that helps you prepare with confidence.
Book your free consultation:
elevhomeloans.com/newbuyer
Roque Orozco
Sr Mortgage Loan Officer
Roque’s Elevated Home Loans
NMLS #2672063
Call or Text 915 820 6940
elevhomeloans.com
Equal Housing Lender
Se habla español
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