=SE((Dívida_Mensal + Hipoteca_Proposta) / Renda_Mensal Bruta <= 0,43, "Qualificado", "Acima do Limite")
DTI qualification is a critical measure of a borrower's ability to manage monthly payments and is a primary factor in mortgage approval. This guide focuses on the nuances of calculating both the front-end ratio (housing costs only) and the back-end ratio (all recurring debts). Senior brokers must be proficient in identifying what constitutes qualifying income—including bonuses, commissions, and rental income—and which debts must be included in the calculation, such as student loans, car payments, and alimony. Understanding the flexibility offered by different loan programs, such as the higher DTI limits allowed by FHA compared to conventional loans, is essential for qualifying more borrowers. This guide also covers strategies for improving a borrower's DTI, such as paying down specific debts or including a co-borrower. Brokers must be diligent in verifying all financial information to ensure that the DTI is calculated accurately according to automated underwriting system (AUS) requirements like Fannie Mae's Desktop Underwriter. Proficiency in DTI analysis allows brokers to provide realistic expectations to clients and ensures a smoother path to loan approval and closing.ADVERTISEMENT - IN-ARTICLE
Guia Profissional
Qual é uma proporção DTI máxima típica?|A maioria dos empréstimos convencionais exige um DTI back-end de 43% ou menos, embora alguns programas permitam até 50%.|O DTI inclui serviços públicos?|Não, o DTI inclui apenas pagamentos recorrentes de dívidas que aparecem em um relatório de crédito, mais custos de habitação.