You may qualify to exceed if you have the normal loan debt ratio by one of the following.
a large down payment
a demonstrated ability to pay more toward your housing expenses
substantial cash reserves
net worth enough to repay the mortgage regardless of income
evidence of acceptable credit history or limited credit use
less-than-maximum mortgage terms
funds provided by an organization
a decrease in monthly housing expenses
Even if you can exceed the ratio always take your comfort level into concideration of how much you want to owe.
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