06/12/2026
Your debt-to-income (DTI) ratio plays a major role in the mortgage process. DTI adds up obligations like credit cards, auto loans, student loans, and your projected housing payment, then divides that total by your gross monthly income. A lower ratio generally provides more flexibility, but acceptable limits can vary depending on the loan program and your overall financial profile. Knowing your DTI early can help you understand your budget, strengthen your buying power, and prepare for a smoother homebuying experience. Questions about your options? Let’s connect.