Most lenders like a DTI ratio of not more than 35% or 36%. 1 Sometimes, mortgage lenders will still approve your loan if your DTI is up to 45% (or 50% for an FHA loan). 2 Your DTI ratio is too ...

To calculate your DTI, divide your total monthly payments (credit card bills, rent or mortgage, car loan, student loan) by your gross monthly earnings (what you make each month before taxes and ...

The Federal Housing Finance Agency’s (FHFA’s) decision to delay implementing the controversial upfront fee on Fannie Mae and Freddie Mac borrowers with higher debt-to-income (DTI) ratios gave ...