Debt and Housing Ratios- How Do They Affect Your Loan?

Debt-to-Income Ratio (Overall Debt Ratios) Just as important as the Housing or front-end ratio is the debt-to-income ratio or DTI. This is the amount of your gross monthly income that goes toward paying all debts considered in a loan. Lenders consider 42-48% the golden range for DTI. Lenders will want to see lower DTI’s, but by …

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What It Is Manufactured home appraisals or property valuations are the process of determining the market value of a manufactured home. Appraisal reports are used in manufactured home loans. Appraisals are most frequently used in purchases and sales of manufactured homes but are also commonly used in refinances. Sample (Click to zoom) Why We Need …

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During the mortgage loan process, there are many considerations to be made regarding home price, down payment amount, income level, and monthly payment amounts. These issues can be confusing and can lead to miscommunication between the buyer, the agent, and the broker. Calculations specifically are often difficult for customers to grasp, so clear this up, …

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