Equations used to evaluate family income, debt, and credit history for the purpose of determining the loan amount the borrower qualifies for.

Guidelines used by lenders to determine how large a loan a prospective home buyer is qualified to borrow. Lending guidelines typically include both a maximum monthly housing expense – to – income ratio and a maximum total monthly debt expense – to – income ratio.

The ratio of fixed monthly expenses to gross monthly income, which becomes the guidelines for the lender to determine how large a loan to grant a homebuyer.

General guidelines applied by lenders to determine how large a loan to grant. These ratios vary between loan programs.

Guidelines used by lenders to determine if a borrower can qualify for a mortgage. The lender will consider the borrower's income and current debt, as well as the size of loan the borrower is trying to obtain.

How your total housing expenses compare to your total gross income; also, how your total housing expenses—plus all other debt—compares to your total gross income.

Guidelines applied by lenders to determine how large a loan to grant the home buyer. The debt-to-income ratio is your current monthly debt on loans and credit cards divided by your gross income. The housing-to-income ratio is your new housing payments divided by your gross income.

A calculation used by lenders in deciding whether to make a loan based on the amount of a borrower's gross monthly income compared first to the amount the borrower will pay each month on principal, interest, real estate taxes and insurance and secondly to all the above items plus all other obligations the borrower has outstanding.

This is t he ratio of a person's monthly expenses to their gross monthly income. This is used to measure a borrower's ability to repay a mortgage debt.

The ratio of your total gross income to your total housing expense, including principal, interest, taxes and insurance, and also the ratio of your total gross income to your total housing expense plus all other debt.

Calculations used in determining whether or not a borrower can qualify for a mortgage. The ratios consist of two separate calculations: monthly housing expense to income and total monthly obligations to income.

Calculations used to determine your ability to repay a loan.

Calculations that are used in determining whether a borrower can qualify for a mortgage. The two calculations are housing expense divided by gross income, and the total debt including other monthly debt payments divided by gross income.

The ratio of your monthly expenses to your gross monthly income. It is used to determine how much money a borrower qualifies for.

The ratio of a prospective borrower's fixed monthly expenses to their gross monthly income, used in determining the maximum amount the borrower qualifies for. The fixed monthly expenses would include PITI along with other fixed expenses such as student loans, car loans, or minimum credit card payments.

Guides used by lenders to help determine the maximum mortgage amount a borrower's income may support. As a general rule of thumb, a borrower's combined monthly debt (mortgage, other loans, credit cards, alimony/child support, etc.) should not exceed 36% of the borrower's gross monthly income, with the monthly mortgage amount not exceeding 28%.

A relationship between a borrower's debts to their income acceptable to a lender and seen as the borrower's ability to afford the monthly mortgage payments.

Guidelines used by lenders to determine how much of a loan a home buyer qualifies for. Often referred to as debt-to-income ratios (or DTI).

Calculations performed by lenders to determine your ability to repay a loan. The first qualifying ratio is calculated by dividing the monthly PITI by gross monthly income. The second ratio is calculated by dividing the monthly PITI and all other monthly debts by the gross monthly income.

Calculations that are used in determining whether a borrower can qualify for a loan. There are two ratios. The "top" or "front" ratio is a calculation of the borrower's monthly housing costs (principal, taxes, insurance, mortgage insurance, homeowner's association fees) as a percentage of monthly income. The "back" or "bottom" ratio includes housing costs and all other monthly debt, also as a percentage of monthly income.

Calculations that are used in determining the loan amount that a borrower qualifies for, typically a comparison of the borrower's total monthly income to monthly debt payments and other recurring monthly obligations.

Guidelines for comparisons between housing costs, total debt, and a borrower's income; applied by lenders to determine how large a loan a homebuyer can afford.()

Ratios used to determine whether a borrower can qualify for a mortgage. They are based on a borrower's housing expense as a percentage of income and his total debt as a percentage of income.

() The ratio of your fixed monthly expenses to your gross monthly income, used to determine how much you can afford to borrow. The fixed monthly expenses would include PITI along with other obligations such as student loans, car loans, or credit card payments.

Calculations used to determine if a borrower can qualify for a mortgage. They consist of two separate calculations: a housing expense as a percent of income ratio and total debt obligations as a percent of income ratio.

Guidelines applied by lenders to determine how large a loan may be granted to a home buyer.

guidelines used by lenders to evaluate a homebuyer's borrowing potential. The main qualifying ratios are the front end and back end ratios (see Debt Ratios).

Calculations made to determine a borrowerâ€(tm)s eligibility for a mortgage. The ‘topâ€(tm) ratio refers to the borrowerâ€(tm)s monthly housing costs as a percentage of his or her income; the ‘bottomâ€(tm) ratio includes other monthly debt as well.

"Calculations that are used in determining whether a borrower can qualify for a mortgage. There are two ratios. The ""top"" or ""front"" ratio is a calculation of the borrowerâ€(tm)s monthly housing costs (principle, taxes, insurance, mortgage insurance, homeownerâ€(tm)s association fees) as a percentage of monthly income. The ""back"" or ""bottom"" ratio includes housing costs as will as all other monthly debt. "

Calculations that are used in determining whether a borrower can qualify for a mortgage. They consist of two separate calculations: Housing expense as a percent of monthly grossincome (front-end ratio), and total debt (PITI plus any other monthly debt payments like caror personal loans and credit card debt) as a percent of income (back-end ratio).

The percentages that a lender will compare to see whether you qualify for a loan. This is made up of the debt-to-income ratio and the housing ratio.

A percentage of your gross monthly income (before deductions) is used to qualify for the loan. Two ratios are typically used, the first would cover your housing debt (principle, interest, taxes and insurance) and the second (back ratio) would cover the housing debt plus all other monthly debt (auto loans, leases, credit card, student loans, etc.). Some loans have specific required ratios that can't re exceeded, and some are more flexible. LP (loan prospector) and DO (desktop originator), which are automated underwriting engins that provide conditional secondary secondary market approvals, may allow higher ratios.

Comparisons of a borrower's debts and gross monthly income. Underwriters like to see no more than 40% of a borrower's income being used on a mortgage and other monthly revolving debt. However there are always exceptions to this rule.

The ratio of fixed monthly expenses to gross monthly income.  Used to determine how much the home buyer can afford to borrow.

The percentage of payment-to-income (P/I) and debt-to-income (D/I - also called Back-end Ratio) that is used to measure the borrower's capacity to repay the mortgage debt.

A defining percentage lenders use to decide the amount they will loan. It compares a borrower's debts and gross monthly income. back to the top

Lender guidelines used to determine parameters of a loan.

Guidelines lenders apply to determine how large a loan to grant a homebuyer.

Guidelines applied by lenders to determine how large a loan to grant a buyer.- Back To The Top

Lenders calculate these percentages to determine if a borrower qualifies for a mortgage. Lenders examine the percent of a potential borrower's before-tax income used to pay loans compared to his or her income. Two ratios are considered: first, the percent of monthly before-tax income used to make house payments (principal, interest, taxes, insurance), and second, the amount spent on other loans such as auto loans, student loans, and credit card debts. The first ratio is called the "front-end ratio" and the second is the "back-end ratio."

Calculations that are used in determining whether a borrower can qualify for a mortgage. They consist of two separate calculations: housing expense as a percentage of income ratio and total debt obligations as a percentage of income ratio.

Guidelines applied by the lenders to determine how large a loan to grant a home buyer.

Qualifying ratios, the ratio of your fixed monthly expenses to your gross monthly income, are used to determine how much you can afford to borrow.

Guidelines applied by the lenders to determine how large a loan to grant to a consumer.

Lenders compute qualifying ratios to determine how much a potential buyer can borrow.

Comparison of a borrower's proposed PITI, current debts and gross monthly income.

Calculations that are used indetermining whether a borrower can qualify for a mortgage. They consistof two separate calculations: a housing expense as a percent of incomeratio and total debt obligations as a percent of income ratio.

Simple calculations used in determining whether a borrower can qualify for a mortgage. They usually consist of two separate calculations: 1) Monthly housing expenses as a percent of total gross monthly income. 2) Total monthly debt obligations as a percent of gross monthly income.

Comparisons of a borrower's debts and gross monthly income, expressed as percentage.

Guidelines used by lenders to evaluate a home buyer's borrowing potential.

Debt to income ratios are used to determine your ability to repay a loan. The top ratio is calculated by dividing the monthly housing expense (principal, interest, taxes and insurance) by gross monthly income. The bottom ratio is calculated by dividing total debt, including monthly mortgage payment, taxes, insurance and all other monthly debts, by gross monthly income.

A percentage comparison of the cost of owning a home and the buyer's income (front-end ratio). Also, a percentage ratio of the buyer's total debts and income (back-end ratio).

Debt to Income Ratio and Housing Expenses to Income Ratio are both qualifying ratios. These ratios are used to determine a borrower's ability to satisfy the obligations of a mortgage based on: Debt to Income Ratio - The borrower's monthly obligations divided by the borrower's gross monthly income, expressed as a percentage. Housing Expenses to Income Ratio - The borrower's monthly housing expenses divided by the borrower's gross monthly income, expressed as a percentage.