DTI — or debt-to-income ratio — is three letters that can determine if you qualify to buy a home. Here’s the plain-English version: add up all your monthly debt payments (car, student loans, credit card minimums, plus the mortgage payment you’re planning for), divide by your gross monthly income, and multiply by 100. That number is your DTI percentage.Most lenders prefer DTI under 45%, but many will approve up to 50% with strong compensating factors. VA loans don’t use a strict DTI cap (they loo
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