DTI, or debt-to-income ratio, refers to the number that mortgage lenders use. This is determined by your overall debt expenses in addition to your housing payment per month. The total sum is divided by your gross income per month and then multiplied by 100. It helps lenders gauge affordability according to their available loan programs and lets them estimate the amount you can afford to pay for a mortgage every month. Want to learn more? Call me at 925.788.6582. I'd love to c