You searched:
“can I get a mortgage with high debt to income ratio”
A high DTI does not automatically disqualify you. FHA allows ratios up to 57% in some cases, and there are strategies to lower your DTI quickly without paying off all your debt.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Student loan payments inflating DTISolution exists
- 2Car payments consuming income ratioSolution exists
- 3Credit card minimum payments adding upSolution exists
- 4Supporting family members financiallySolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
FHA High-DTI Approval
FHA allows DTI up to 57% with compensating factors like cash reserves or minimal payment increase.
Available nowStrategic Debt Paydown
Paying off specific debts can dramatically shift your DTI. Eliminating a $300/month payment adds $50K in buying power.
May take timeIncome-Based Repayment Switch
Switching student loans to IDR can reduce your reported monthly payment and lower your DTI immediately.
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(248) 864-2200High DTI? Let us find programs that work with your numbers.
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Frequently Asked Questions
Conventional: 45-50%. FHA: up to 57% with compensating factors. VA: no hard cap, evaluated case by case. Non-QM: varies by lender.
Add all monthly debt payments (car, student loans, credit cards, etc.) and divide by your gross monthly income. This percentage is your DTI.
Yes. Paying off a car loan, switching student loans to income-driven repayment, or having a co-borrower can all lower your DTI significantly within weeks.
High DTI? Let us find programs that work with your numbers.
We will reach out at a time that works for you. No pressure, no obligation.