FAQ
What debt-to-income ratio do I need?
Most loan programs allow up to 43–50% DTI. VA loans can stretch higher with strong residual income. Conventional and FHA typically cap around 50%.
By Tres Miller · Mortgage Banker · NMLS #217768
Reviewed June 22, 2026 · 31+ years lending in Utah
Quick Answer
Most loan programs allow up to 43–50% DTI. VA loans can stretch higher with strong residual income. Conventional and FHA typically cap around 50%.
Detailed answer
DTI is your monthly debts (including the new mortgage) divided by gross monthly income. Lowering DTI is often faster than raising score: pay off a small revolving balance, retire a car loan, or add a co-borrower with income.
Ready to take the next step?
Talk to Tres — straight answers, real options, no pressure.