{"id":4200,"date":"2017-01-07T01:09:04","date_gmt":"2017-01-07T06:09:04","guid":{"rendered":"http:\/\/wp2.fastforwardstories.com\/?p=4200"},"modified":"2017-01-07T01:09:04","modified_gmt":"2017-01-07T06:09:04","slug":"what-is-the-debt-to-income-ratio-dti","status":"publish","type":"post","link":"https:\/\/thetitlelink.com\/what-is-the-debt-to-income-ratio-dti\/","title":{"rendered":"What Is The Debt-To-Income Ratio (DTI)?"},"content":{"rendered":"<p><script src=\"https:\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<div class=\"wistia_responsive_padding\" style=\"padding:56.25% 0 0 0;position:relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height:100%;left:0;position:absolute;top:0;width:100%;\">\n<div class=\"wistia_embed wistia_async_e20m7pnape dnt=1 videoFoam=true\" style=\"height:100%;position:relative;width:100%\">\n<div class=\"wistia_swatch\" style=\"height:100%;left:0;opacity:0;overflow:hidden;position:absolute;top:0;transition:opacity 200ms;width:100%;\"><img src=\"https:\/\/fast.wistia.com\/embed\/medias\/e20m7pnape\/swatch\" style=\"filter:blur(5px);height:100%;object-fit:contain;width:100%;\" alt=\"\" aria-hidden=\"true\" onload=\"this.parentNode.style.opacity=1;\" \/><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>  &#xD;<br clear='none'\/>\n  &#xD;<br clear='none'\/>\nMeasuring your existing debts against your existing income is one part of a lender&#8217;s required assessment of your ability to repay a loan.&#xD;<br clear='none'\/>\n&#xD;<br clear='none'\/>\nLike the video says: &#160;debts are existing financial commitments; a car payment is a debt a grocery bill is not.&#xD;<br clear='none'\/>\n&#xD;<br clear='none'\/>\nTo calculate your debt-to-income ratio add up your monthly debt payments and divide them by your GROSS monthly income. (Gross income is generally the amount of money you earn BEFORE taxes and other deductions.) The Federally-established debt-to-income target is a maximum of 43% for Qualified Mortgages.&#xD;<br clear='none'\/>\n&#xD;<br clear='none'\/>\nIf your ratio is higher there may be other loans available &#160;- however, there may also be additional questions to establish your ability to repay, and the rates may be different than those available for Qualified Mortgages.&#xD;<br clear='none'\/>\n&#xD;<br clear='none'\/>\nStudies suggest that a high debt-to-income ratio puts a homeowner at greater risk of challenges making monthly payments. So consider your situation and risks carefully before exceeding that suggested ratio.&#xD;<br clear='none'\/>\n&#xD;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#xD; &#xD; Measuring your existing debts against your existing income is one part of a lender&#8217;s required assessment of your ability to repay a loan.&#xD; &#xD; Like the video says: &#160;debts are existing financial commitments; a car payment is a debt a grocery bill is not.&#xD; &#xD; To calculate your debt-to-income ratio add up your&hellip;<\/p>\n","protected":false},"author":150,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":""},"categories":[7],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.6.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is The Debt-To-Income Ratio (DTI)? - Bonita Springs, Naples, Estero, FL | The Title Link<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thetitlelink.com\/what-is-the-debt-to-income-ratio-dti\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is The Debt-To-Income Ratio (DTI)? 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