Skip to content

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustan Cho Associates
  • About UsExpand
    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • FICO Simulator
    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
      • Conforming Loan Limits
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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
  • CareersExpand
    • Can Realtors Be MLOs At The Same Time
    • Career OpportunitiesExpand
      • 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
  • BlogsExpand
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

debt-to-income ratio

Home / debt-to-income ratio
FHA Debt-To-Income Ratio Requirements
High Debt To Income Ratio | FHA Loans | Mortgage Lender Overlays | Videos

FHA Debt-To-Income Ratio Requirements

ByGustan Cho Posted onJune 30, 2025July 1, 2025

FHA Debt-To-Income Ratio Requirements: What You Need to Know If you’re applying for an FHA loan, one of the most…

Continue Reading FHA Debt-To-Income Ratio RequirementsContinue

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

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

HUD Manual Underwriting DTI Guidelines
Manual Underwriting | Compensating Factors | FHA Loans | Videos

HUD Manual Underwriting DTI Guidelines: Your Approval Guide

ByEric Jeanette Posted onDecember 6, 2024December 9, 2024

HUD Manual Underwriting DTI Guidelines: Everything You Need to Know in 2024 If you’ve been denied a mortgage because your…

Continue Reading HUD Manual Underwriting DTI Guidelines: Your Approval GuideContinue

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

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

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

Mortgage With Auto Loan
Auto Loans | Bad Credit Mortgages | Videos

Mortgage With Auto Loan: Navigating Challenges and Solutions

ByAnngelli Abenes Posted onJuly 8, 2024June 5, 2025

An auto loan can be a deal killer when it comes to getting qualified for a mortgage. The average monthly auto loan on a new car is $500 per month. $500 per month is equivalent to a $100,000 mortgage payment.

Continue Reading Mortgage With Auto Loan: Navigating Challenges and SolutionsContinue

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, 2024June 5, 2025

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

Unexpected Home Buyers Expenses
Real Estate Topic | Home Improvement/Renovations | Videos

Unexpected Home Buyers Expenses Payment Shock

ByAlex Carlucci Posted onMay 3, 2024June 16, 2025

This guide covers unexpected home buyers expenses payment shock for borrowers. The American Dream is still owning your own home….

Continue Reading Unexpected Home Buyers Expenses Payment ShockContinue

Community Property States
Home Mortgages | video

Community Property States Mortgage Guidelines On DTI

ByMike Gracz Posted onApril 12, 2024June 25, 2025

This article will tackle the Community Property States Mortgage Guidelines On DTI. Understanding marital property rights can be intricate, especially…

Continue Reading Community Property States Mortgage Guidelines On DTIContinue

Property Taxes In Mortgage Qualification
Property Taxes | Real Estate | Real Estate Topic | Videos

How Property Taxes in Mortgage Qualification Affects DTI

ByGustan Cho Posted onMarch 29, 2024August 15, 2024

This guide covers property taxes in mortgage qualification and how it affects debt-to-income ratios. For homebuyers, especially first-time home buyers,…

Continue Reading How Property Taxes in Mortgage Qualification Affects DTIContinue

Debt-to-Income Ratio Limit
High Debt To Income Ratio | Videos

Debt-To-Income Ratio Limit To Qualify For Mortgage Loan

ByGustan Cho Posted onJanuary 20, 2024July 29, 2024

This GUIDE covers debt-to-income ratio limit to qualify for a mortgage loan. Home loans and debt-to-income ratio limit. Every mortgage…

Continue Reading Debt-To-Income Ratio Limit To Qualify For Mortgage LoanContinue

Property Taxes Can Determine Buying Power
Property Taxes | High Debt To Income Ratio | Real Estate Topic | Videos

Property Taxes Can Determine Buying Power on Homes

ByAlex Carlucci Posted onJanuary 16, 2024July 29, 2024

This guide covers how property taxes can determine buying power on home purchase. Every homeowner needs to pay property taxes….

Continue Reading Property Taxes Can Determine Buying Power on HomesContinue

Importance of Debt-to-Income Ratio In Mortgages
High Debt To Income Ratio | Videos

The Importance of Debt-To-Income Ratio in Mortgages

ByGustan Cho Posted onDecember 20, 2023July 26, 2024

This guide covers the importance of debt-to-income ratio in mortgages. Borrowers need to keep in mind the importance of debt-to-income…

Continue Reading The Importance of Debt-To-Income Ratio in MortgagesContinue

Debt-to-Income Ratio Limit
Mortgage Lender Overlays | Videos

DTI Overlays Required By Lenders on Home Loans

ByGustan Cho Posted onDecember 4, 2023June 28, 2024

This guide covers the DTI overlays lenders require on government and conventional loans. DTI overlays are imposed on home mortgage…

Continue Reading DTI Overlays Required By Lenders on Home LoansContinue

Calculating Monthly Mortgage Payment On Home Purchase
Home Mortgages | High Debt To Income Ratio | Income And Employment | Videos

Calculating Monthly Mortgage Payment on Home Purchase

ByGustan Cho Posted onNovember 30, 2023July 26, 2024

This guide covers calculating monthly mortgage payment on a home purchase. Many first-time homebuyers think they need a lot of…

Continue Reading Calculating Monthly Mortgage Payment on Home PurchaseContinue

Taking Out That Next Student Loan
Student Loans | High Debt To Income Ratio | Home Mortgages | Videos

How Taking Out That Next Student Loan Can Affect Mortgage

ByAlex Carlucci Posted onJuly 15, 2023October 8, 2024

This guide covers the risk of taking out that next student loan when getting a mortgage loan approved. If you…

Continue Reading How Taking Out That Next Student Loan Can Affect MortgageContinue

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

  • Importance of Credit Reports
    Importance of Credit Reports in the Mortgage ProcessJuly 4, 2025
  • Wholesale Mortgage Lenders for Non-Prime Loans
    Best Wholesale Mortgage Lenders For Non-Prime LoansJuly 3, 2025
  • Conforming Versus FHA Mortgage
    Conforming Versus FHA Mortgage Guidelines and BenefitsJuly 3, 2025
  • Short Sale Versus Foreclosure
    Short Sale Versus Foreclosure Mortgage GuidelinesJuly 3, 2025

DTI Calculators

  • FHA DTI Calculator
  • VA DTI Calculator
  • Conventional DTI Calculator
  • Jumbo DTI Calculator
  • FHA Loan Limits
  • Conforming Loan Limits

Subsidiary Sites

  • Gustan Cho Associates Mortgage Advisor
  • GCA Mortgage Group
  • GCA Forum

Connect With Us

  • Facebook
  • LinkedIn
  • YouTube
  • Instagram
  • TikTok
  • Tumblr

Resources

  • Get Pre-Approved
  • Get Automated Underwriting System Approval
  • FICO Simulator
  • MLO License School
  • DTI Mortgage Calculator
  • Documents Required For Mortgage Process
  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
  • Remove Credit Disputes
  • Contribute To GCA Mortgage Group
  • GCA Approves When Others Can’t
  • Mortgage Guides and Home Loan Options
  • How To Un-Freeze a Credit File?
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.
Disclaimer | Licenses | Copyrights | Privacy  NMLS Consumer Access© 2025 - Gustan Cho Associates. All Rights Reserved.SiteLock
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
Search