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High Debt To Income Ratio

Home / High Debt To Income Ratio
Exempt Debts From Debt To Income Ratio To Qualify For Mortgage
High Debt To Income Ratio | Videos

Exempt Debts From Debt To Income Ratio for Mortgage

ByGustan Cho Posted onMarch 21, 2025March 24, 2025

Getting approved for a mortgage isn’t just about your income and credit score. A huge factor lenders look at is…

Continue Reading Exempt Debts From Debt To Income Ratio for MortgageContinue

DTI Manual Underwriting Guidelines
Manual Underwriting | Compensating Factors | FHA Loans | High Debt To Income Ratio | VA Loans | Verification Of Rent | Videos

DTI Manual Underwriting Guidelines on FHA and VA Loans

ByAlex Carlucci Posted onJanuary 24, 2025April 7, 2025

Understanding DTI Manual Underwriting Guidelines for FHA, VA, Non-QM, and Alternative Loans (2025 Update) Debt-to-income (DTI) manual underwriting guidelines are…

Continue Reading DTI Manual Underwriting Guidelines on FHA and VA LoansContinue

Liabilities in Mortgage Qualification
Mortgage Processing And Underwriting | High Debt To Income Ratio | Manual Underwriting | Student Loans | video

How Do Underwriters View Liabilities In Mortgage Qualification

ByGustan Cho Posted onDecember 19, 2024December 26, 2024

How Underwriters View Liabilities in Mortgage Qualification (Updated for 2024) When applying for a mortgage, understanding how underwriters evaluate liabilities…

Continue Reading How Do Underwriters View Liabilities In Mortgage QualificationContinue

Mortgage with High DTI
High Debt To Income Ratio | Conventional Loans | FHA Loans | USDA Loans | VA Loans | Videos

Mortgage With High DTI Guidelines On Home Loans

ByGustan Cho Posted onDecember 18, 2024April 7, 2025

Mortgage with High DTI: Your Guide to Home Loans in 2024 In 2024, the world of home loans is changing….

Continue Reading Mortgage With High DTI Guidelines On Home LoansContinue

VA Loans With High Debt-To-Income Ratio
VA Loans | Bad Credit Mortgages | High Debt To Income Ratio | Videos

VA Loans With High Debt-To-Income Ratio Mortgage Guidelines

ByGustan Cho Posted onNovember 13, 2024May 19, 2025

VA Loans with High Debt-to-Income Ratio: A 2024 Guide for Veterans Are you a Veteran worried about your high debt-to-income…

Continue Reading VA Loans With High Debt-To-Income Ratio Mortgage GuidelinesContinue

How Underwriters Calculate Debt-To-Income Ratio
High Debt To Income Ratio | Income And Employment | No-Ratio Mortgage Loans | NON-QM Loans | Videos

How Underwriters Calculate Debt-To-Income Ratio

ByGustan Cho Posted onNovember 6, 2024May 19, 2025

How Underwriters Calculate Debt-to-Income Ratio (DTI) – 2024 Guide When it comes to buying a home, there are a few…

Continue Reading How Underwriters Calculate Debt-To-Income RatioContinue

HUD DTI Guidelines
FHA Loans | High Debt To Income Ratio

Simple Guide to HUD DTI Guidelines for FHA Loans

ByGustan Cho Posted onOctober 11, 2024May 20, 2025

Understanding HUD DTI Guidelines for FHA Loans in 2024: How to Qualify for a Purchase or Refinance When you’re considering…

Continue Reading Simple Guide to HUD DTI Guidelines for FHA LoansContinue

Excluding Debts From DTI Calculations
High Debt To Income Ratio | Mortgage Processing And Underwriting | Videos

Excluding Debts from DTI Calculations To Qualify for a Home

ByGustan Cho Posted onOctober 10, 2024May 20, 2025

Excluding Debts from DTI Calculations in 2024: How You Can Qualify for a Mortgage with High Debt-to-Income Ratios One of…

Continue Reading Excluding Debts from DTI Calculations To Qualify for a HomeContinue

Maximum Debt-To-Income Ratios For AUS Approval
Automated Underwriting System | High Debt To Income Ratio | Videos

Maximum Debt-To-Income Ratios For AUS Approval

ByGustan Cho Posted onOctober 1, 2024May 20, 2025

Maximum Debt-To-Income Ratios for AUS Approval: What You Need to Know in 2024 When applying for a mortgage, your debt-to-income…

Continue Reading Maximum Debt-To-Income Ratios For AUS ApprovalContinue

Debt-To-Income Ratio For Conventional Loan Guidelines
Conventional Loans | High Debt To Income Ratio | Videos

What is the Debt-To-Income Ratio For Conventional Loan

ByAnngelli Abenes Posted onSeptember 24, 2024May 20, 2025

This guide covers all about Debt-To-Income Ratio for Conventional Loan: Your 2024 Guide to Homeownership with conventional loans: Are you…

Continue Reading What is the Debt-To-Income Ratio For Conventional LoanContinue

Exempt Debts Of Co-Signed Loans
Income And Employment | High Debt To Income Ratio | Non-Occupant Co-Borrowers | Videos

Exempt Debts of Co-Signed Loans For Co-Signer

ByGustan Cho Posted onSeptember 23, 2024May 20, 2025

Understanding Exempt Debts of Co-Signed Loans in 2024: A Guide for Homebuyers Co-signing a loan can feel like helping a…

Continue Reading Exempt Debts of Co-Signed Loans For Co-SignerContinue

FHA Guidelines on Student Loans
Student Loans | FHA Loans | High Debt To Income Ratio | Videos

FHA Guidelines on Student Loans: How to Qualify

ByAnngelli Abenes Posted onAugust 26, 2024February 12, 2025

FHA Guidelines on Student Loans: Your Path to Homeownership Student loans are a significant part of life for many Americans,…

Continue Reading FHA Guidelines on Student Loans: How to QualifyContinue

FHA DTI Guidelines
High Debt To Income Ratio | Automated Underwriting System | FHA Loans | Videos

FHA DTI Guidelines for Getting an Approve/Eligible Per AUS

ByAnngelli Abenes Posted onJuly 5, 2024August 30, 2024

First-time homebuyers, especially, may be easily overwhelmed by the complexities of purchasing a home. One of the most critical aspects…

Continue Reading FHA DTI Guidelines for Getting an Approve/Eligible Per AUSContinue

Paying Down Credit Cards During Mortgage Process
High Debt To Income Ratio | Mortgage Processing And Underwriting | Videos

Paying Down Credit Cards During Mortgage Process Due To High DTI

ByGustan Cho Posted onJune 23, 2024August 30, 2024

This guide covers paying down credit cards during mortgage process due to high debt-to-income ratios. Debt-to-income ratios are one of…

Continue Reading Paying Down Credit Cards During Mortgage Process Due To High DTIContinue

Bad Credit Mortgage Lenders in Rhode Island
Bad Credit Mortgages | FHA Loans | High Debt To Income Ratio | NON-QM Loans | Videos

Bad Credit Mortgage Lenders in Rhode Island with 500 FICO

ByGustan Cho Posted onJune 22, 2024August 30, 2024

In this blog, we will discuss and cover bad credit mortgage lenders in Rhode Island for borrowers with bad credit…

Continue Reading Bad Credit Mortgage Lenders in Rhode Island with 500 FICOContinue

Fannie Mae-Freddie Mac Exempt Debt Guidelines
Conventional Loans | High Debt To Income Ratio | Videos

Fannie Mae-Freddie Mac Exempt Debt Guidelines On Conventional Loans

ByAnngelli Abenes Posted onJune 7, 2024February 19, 2025

There are certain debts that can be exempt from debt to income ratio calculations on conventional loans.

Continue Reading Fannie Mae-Freddie Mac Exempt Debt Guidelines On Conventional LoansContinue

How Student And Car Loans Affect DTI
High Debt To Income Ratio | Student Loans | video

How Student And Car Loans Affect DTI For Mortgages

ByAnngelli Abenes Posted onMay 23, 2024August 28, 2024

This article will explore how student and car loans affect DTI (Debt-to-Income) mortgage ratios. Auto loans are typically the second-largest…

Continue Reading How Student And Car Loans Affect DTI For MortgagesContinue

Non-Occupied Co-Borrower
High Debt To Income Ratio | Non-Occupant Co-Borrowers | video

Adding Non-Occupied Co-Borrower With High DTI

ByGustan Cho Posted onMay 2, 2024August 23, 2024

This Article Is About Non-Occupied Co-Borrower Can Be Added To Borrower With High DTI A large percentage of mortgage borrowers…

Continue Reading Adding Non-Occupied Co-Borrower With High DTIContinue

What is PITI?
High Debt To Income Ratio | Home Mortgages | Videos

What Is PITI In Mortgage?

BySapna Sharma Posted onApril 28, 2024August 23, 2024

All mortgage loan programs require a maximum front debt-income ratio and back debt to income ratio. However, conventional loans do not require a front debt to income ratio. VA loans do not have a debt to income ratio requirements. Lenders can have lender over lender overlays on debt to income ratios.

Continue Reading What Is PITI In Mortgage?Continue

Solutions To High Debt To Income Ratios
FHA Loans | High Debt To Income Ratio | Manual Underwriting | Refinancing | VA Loans | video

Solutions To High Debt To Income Ratios On Home Purchase

ByAnngelli Abenes Posted onApril 25, 2024October 8, 2024

Gustan Cho Associates has no lender overlays on debt to income ratio on government and conventional loans. We just go off the agency caps on debt to income ratio no government and conventional loans.

Continue Reading Solutions To High Debt To Income Ratios On Home PurchaseContinue

Excluding Debts From Co-Signed Loans To Qualify For Mortgage
High Debt To Income Ratio | Income And Employment | Videos

Excluding Debts From Co-Signed Loans To Qualify For Mortgage

ByGustan Cho Posted onApril 16, 2024April 7, 2025

This guide covers excluding debts from co-signed loans to qualify for mortgage loans. Mortgage borrowers who are co-signers on debts…

Continue Reading Excluding Debts From Co-Signed Loans To Qualify For MortgageContinue

DTI Calculations in Community Property States Mortgage Guidelines
High Debt To Income Ratio | Home Mortgages | Home Purchase | Mortgage Processing And Underwriting | Videos

DTI Calculations in Community Property States Guidelines

ByGustan Cho Posted onMarch 21, 2024April 17, 2024

This guide covers DTI calculations in community property states mortgage guidelines. DTI calculations in community property states are calculated differently…

Continue Reading DTI Calculations in Community Property States GuidelinesContinue

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About Us

Gustan Cho Associates are Mortgage Advisor licensed in 48 states including Washington DC, Puerto Rico, and the U.S Virgin Islands (Not licensed in NY and MA). The team at Gustan Cho Associates has a national reputation of being able to do mortgage loans other mortgage companies cannot do. Gustan Cho Associates dba of NEXA Mortgage has a lending partnerships with over 190 wholesale mortgage lenders with dozens of no overlay lending partners on government and conventional loans and countless non-QM and alternative lending partners. Over 80% of our clients are borrowers who could not qualify at other mortgage companies either due to a last-minute mortgage loan denial due to lender overlays or because the lender did not have the mortgage loan program suited for the borrower. At Gustan Cho Associates, we only market mortgage loan products that exists and are possible.

Recent Articles

  • Hard Money Lenders
    Simple Truth: What Are Hard Money Lenders and How They HelpMay 5, 2025
  • Wholesale Mortgage Lenders for Non-Prime Loans
    Best Wholesale Mortgage Lenders For Non-Prime LoansMay 5, 2025
  • Qualifying for Mortgage with Irregular Income
    Qualifying For Mortgage With Irregular IncomeApril 30, 2025
  • Home Loan with Tax Lien
    Home Loan With Tax Lien And Judgment Mortgage GuidelinesApril 29, 2025

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Equal Housing Opportunity Lender Gustan Cho Associates empowered by NEXA Mortgage LLC. NMLS# 1660690,
Corporate Address: 5559 S Sossaman Rd | Bldg 1 #101, Mesa, AZ 85212 Company NMLS 1660690, Gustan Cho NMLS #873293 Company State License #: AZMB - 0944059, Branch: 17W662 Butterfield Road Suite 305 Oakbrook Terrace, Illinois 60181 Branch NMLS 2315275 AXEN is a dba of NEXA Mortgage LLC
DISCLAIMER: The author(s) contributing content to this site, accept no liability or responsibility for errors, omissions or changes in market conditions that may impact the readers' conclusions drawn or assumptions related to the content of this site. The copywritten© information contained on this site is provided on an "as is" basis, at the time of publication, without guarantees of timeliness, thoroughness, accuracy, or usefulness to the consumer. The content on this site does not constitute financial or professional advice of any kind, and readers are encouraged to consult their own professional advisors for professional advice.
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CALL NOW
  • About Us
    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • FICO Simulator
    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan Limits
      • FHA Loan Limits
      • Conforming Loan Limits
    • Preferred Realtor Partner Network
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of Mortgages
    • Purchase
      • Home Purchase Loans
      • Investment Property Loan
    • Refinance
      • Refinance Mortgage Options
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • FHA Streamline Refinance
      • VA Streamline Refinance
      • Refinancing NON-QM Loans Into Conventional Mortgages
      • Refinance FHA To Conventional Loans
    • FHA Home Loans
      • FHA Manual Underwriting
      • FHA Chapter 13 Bankruptcy Guidelines
      • FHA Loans For Bad Credit
      • FHA Loans For Low Credit Scores
      • FHA Collections
      • FHA Loans Charged Off Accounts
      • W-2 Income Only FHA Loans
      • FHA Loans With Tax Lien
      • FHA Loan With Judgment
    • VA Home Loans
      • VA Manual Underwriting
      • VA Chapter 13 Bankruptcy Guidelines
      • VA Loans For Bad Credit
      • VA Loans For Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • VA Loans with Tax Lien
      • VA Loan with Judgment
    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional Loans
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condotel Financing
    • NON-QM Loans
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • No SSN? ITIN Mortgage Loans Can Help You Own a Home
      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
    • Reverse Mortgages
    • Commercial Loans
  • Careers
    • Can Realtors Be MLOs At The Same Time
    • Career Opportunities
      • Training a New Mortgage Loan Officer Without Any Experience
      • MLO License School
    • Mortgage Branch Careers
    • Remote Mortgage Loan Officer Career Opportunities
    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
  • Videos
  • Blogs
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer
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