![]() ![]() Buy: Future Home Value Calculator Tax Savings Calculator. In addition to your DTI ratio, lenders may look at your credit history, current credit score, total assets and loan-to-value (LTV) ratio before deciding to approve, deny or suspend the loan approval with contingencies. Debt-to-Income Calculator Refinance Calculator HELOC Calculator Mortgage Terms Calculator Rent vs. Our debt-to-income calculator looks at the back-end ratio when estimating your DTI, because it takes into account your entire monthly debt. Lenders often look at both ratios during the mortgage underwriting process - the step when your lender decides whether you qualify for a loan. Recurring monthly debt payments may include:
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