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One of the biggest things most buyers overlook yet affects every part of your loan is your DTI: your debt-to-income ratio. Your DTI determines how much a lender will approve you for, what programs you qualify for, and sometimes even what interest rate you get. It’s the backbone of your loan and understanding it can make or break your buying power. Here’s the simple version: Your DTI = all your monthly debts ÷ your gross monthly income. The lower that number is, the more freedom you have as a buy
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