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Income and monthly expenses are important. Conventional mortgages qualify applicants using fractions and percentages that weigh their income and their ability to repay their mortgage on time. Debt-to-income ratios are used (DTI) to evaluate applicant earnings and expenses.
Conventional debt-to-income ratios are known as the Front Ratio, and the Back Ratio. Standard conforming loan debt-to-income ratio limits are 2836. These DTI limits may be exceeded with compensating factors. Conventional Loan Debt-to-Income Ratio Limits.