What Is Debt-to-Income Ratio (DTI)? If you’re buying a home, one of the most important numbers a lender looks at is your Debt-to-Income Ratio, also called DTI. This single percentage can determine whether you get approved, how much you can buy, and what loan programs you qualify for. In simple terms: DTI = How much you owe every month ÷ How much you earn every month It measures how “stretched” your finances are before a bank agrees to give you a mortgage. Why Debt-to-Income Ratio Matters When Bu

📊 DEBT-TO-INCOME (DTI) RATIO — WHY IT MATTERS • Shows how much of your income goes to debt • Lower DTI = stronger approval odds • Includes housing monthly obligations • Different loans allow different DTI limits • Can be improved with the right strategy DTI isn’t about earning more — it’s about structuring smarter. At The Onyx Group Mortgage, we help borrowers optimize DTI to unlock better loan options. 📲 Apply now: https://onyxgroupmortgage.com/loan-application 📞 Call/Text: (949) 396-1204 🎯