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How Debt-to-Income Ratio Affects Your Mortgage Eligibility

March 18, 2025 by Robby Oakes

When applying for a mortgage, lenders evaluate several factors to determine your loan eligibility. One of the most critical metrics is your Debt-to-Income Ratio (DTI). Understanding how DTI impacts mortgage approval can help you better prepare for homeownership and improve your chances of securing the loan you need.

Filed Under: Home Buyer Tips Tagged With: Debt To Income Ratio, Home Buying Tips, Mortgage Approval

Assessing Your ‘Debt-to-Income Ratio’ and Why This Number Matters When Getting a Mortgage

August 23, 2022 by Robby Oakes

For those who are looking to buy a home soon, keep in mind that the Debt-to-Income ratio of the borrower plays a huge role in the approval of your mortgage application. A low DTI may make it easier for the lender and the underwriter to justify making a loan to the borrower.

Filed Under: Mortagage Tips Tagged With: Debt To Income Ratio, Mortgage Approval, Mortgage Loan Information

Assessing Your ‘Debt-to-Income Ratio’ and Why This Number Matters When Getting a Mortgage

July 22, 2015 by Robby Oakes

For those who are looking to buy a home soon, keep in mind that the Debt-to-Income ratio of the borrower plays a huge role in the approval of your mortgage application. A low DTI may make it easier for the lender and the underwriter to justify making a loan to the borrower.

Filed Under: Mortagage Tips Tagged With: Debt To Income Ratio, Mortgage Approval, Mortgage Loan Information

Starting to Shop for a Mortgage? How to Assess Your ‘Debt-to-Income Ratio’ and Why This Number Matters

June 25, 2014 by Robby Oakes

For those who are looking to get a mortgage, the most important factor for having a mortgage application approved is the debt-to-income ratio of the borrower.

Filed Under: Home Mortgage Tips Tagged With: Debt To Income Ratio, Mortgage Financing, Mortgage Loan Information

How Do Mortgage Lenders Decide How Much You Can Borrow?

March 11, 2014 by Robby Oakes

When you visit your lender to get a mortgage for your home, they will tell you the maximum amount that you are allowed to borrow. But how do they reach this total and what factors do they take into consideration?

Filed Under: Uncategorized Tagged With: Debt To Income Ratio, Mortgage Lenders, Percentage Of Gross Monthly Income

Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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