If you are reading about qualifying for a mortgage online, or speaking with someone in the real estate or mortgage profession, you may hear the term Debt to income ratio.

This is a typically reviewed by a lender as one of the means to see if you can repay your loan.? If you add up all of your monthly debt obligations (these could include minimum credit card payments, student loans, car/truck payments, and basically anything monthly reoccurring payment that would show up on a credit report), and divide that by the amount of gross monthly, document-able income, you will get your debt to income ratio.

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