Debt to Income Ratios
• Qualifying ratios are 31% / 43%, unless there are significant compensating factors or an Automated Underwriting approval
is received.
• Max DTI is 55% for loans locked prior to 12/21/09 and 50% for loans locked on or after
12/21/09.
• When a non-occupant co-borrower is present and as allowed by DU, LP or TOTAL Scorecard –
whichever is applicable – the occupant borrower’s housing ratio may be as high as 50%. There is no limit
to the occupant borrower’s total expense ratio when the total expense ratio of all borrowers combined is
less than or equal to 50% and the loan receives an Automated Underwriting approval.
