Income documentation
Confirm stable, continuable earnings and whether qualifying history supports all available income.
DTI problem-solving
Your ratio is a signal—not your whole story.
Debt-to-income compares certain monthly debt obligations with qualifying gross monthly income. When that number is tight, a line-by-line review can show what is driving it and which next step makes sense.
The four-part DTI review
1
Verify qualifying income
Base pay, overtime, bonus, commission, self-employment and other income are documented differently. We determine what current guidelines allow us to use.
2
Audit monthly liabilities
We confirm installment, revolving, student loan, support and other obligations—and whether any can be excluded under applicable guidelines.
3
Model the full housing payment
Principal, interest, property taxes, homeowners insurance, mortgage insurance and HOA dues all affect the qualifying ratio.
4
Build the strongest route
That may mean a different price point, debt payoff strategy, assistance option, added documentation, program comparison, or a timed plan to qualify later.
Common levers
Where a workable difference may be found.
Each lever has eligibility, documentation and financial tradeoffs. The goal is a responsible approval—not simply the highest possible ratio.
Debt strategy
Compare payoff, payment reduction or documented exclusions without draining needed closing reserves.
Loan structure
Review price, down payment, seller credits, rate options, insurance and program fit together.
Have you been told your DTI is too high?
Let’s review the structure and identify the most responsible next move.