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Understanding High Debt To Income
A high debt-to-income ratio can be a significant obstacle for borrowers, but it's not the only factor considered in the mortgage application process. By understanding how debt-to-income ratios are calculated and what options are available, you can take the first step towards achieving your dream of homeownership. At National Mortgage Home Loans, we're dedicated to helping borrowers navigate the complex world of mortgage lending and find the right solutions for their unique situations.
Don't let debt hold you back from achieving your dream of homeownership.
How NMHL Helps
Proven solutions for high debt to income
Personalized Consultation
Speak with a licensed expert who understands your unique situation and guides you to the right program.
Flexible Loan Programs
Access programs designed for borrowers in your exact situation — FHA, VA, conventional, and more.
Guided Process
We walk you through every step from pre-approval to closing. No surprises, no confusion.
Your Path to Homeownership
Free Consultation
Tell us about your situation and goals.
Explore Options
We match you with the best loan programs.
Pre-Approval
Get pre-approved to strengthen your position.
Close with Confidence
We guide you through closing smoothly.
Success Stories
“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
We Serve 29 States
Click any state to see local rates and programs
Our Presence
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Frequently Asked Questions
Helpful Resources
Ready to Explore Your Options?
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