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How Debt-To Income Ratio Are Calculated
Debt-To Income Ratios (DTI) play a significant role in qualifying for a mortgage.  Long gone are the days where a Borrower's DTI Ratios could be 67% and higher.  Today most loan products require a DTI Ratio of 45% or less.  One of the few exceptions is FHA which still allows DTI Ratios in the 50+% range.  For this reason it is important for Borrowers to understand How Debt-To Income Ratio Are Calculated in order to lower them as much as possible.
A Debt-To-Income Ratios is the Percentage of the Borrower(s) Monthly Debt versus the Borrower(s) Monthly Income.  In other words the Borrower(s) Debt divided by the Borrower(s) Income = Debt-To-Income Ratio (DTI). For example if the Borrower(s) have $2,000 in Monthly Debt, and $5,000 of Monthly Income:
$2,000/$5,000 = .40% DTI 
Every Borrower(s) has TWO Debt-To-Income Ratios: 
The first is the Housing Ratio, known as the "Front or Top Ratio" The second is the Total Debt-To-Income Ratio, known as the "Back or Bottom Ratio".  The following is what is included in each Ratio.  As I list each debt that is calculated into the Debt-To-Income Ratio's, I will indicate if the debt is just specific to a Loan Program.
Housing Ratio more commonly known as the "Front or ... more

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