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Discover Your Debt to Income Ratio

When you shop for a mortgage or another loan, one of the key factors a lender takes into consideration is your debt-to-income ratio.

Discover Your Debt To Income Ratio

Finding out the ratio between your debt and your income doesn’t have to take a long time. In fact, the formula is quite simple.

Grab a piece of paper and do the following


Add together your minimum monthly credit card payments, monthly car payments, other debt payments and expected mortgage payments. Divide this total by your monthly gross income. The result is your debt to income ratio.

What Difference Does It Make?

You may wonder what the big deal is about your debt-to-income ratio. The truth is, this ratio can make a substantial difference in the total cost of a mortgage loan. And if the ratio is too high, you may not qualify at all.

Go ahead and find out what yours is today!

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