FHA often starts near 31/43 DTI and can go higher with strong AUS findings and compensating factors. See how ratios work with The 2 Mortgage Guys.
FHA often starts near 31/43 DTI and can go higher with strong AUS findings and compensating factors. See how ratios work with The 2 Mortgage Guys.
LOAN PROGRAMS
CLIENT BENEFITS
MORE PAGES
FHA is known for more flexible debt-to-income ratios than many conventional programs. Manual underwriting often starts around 31% housing and 43% total DTI, while automated underwriting can approve higher ratios when credit, reserves, and residual income support the file. Ryan and Steve model your real ratios before you shop.
DTI is a core underwriting signal — but FHA often leaves more room than buyers expect.
Knowing what counts — and what does not — prevents surprise denials.
Small moves before application can change the outcome.
We run realistic FHA scenarios — not optimistic napkin math.
Step
Related guides to help you compare options and move toward pre-approval.
Run the numbers before you apply — then get a real pre-approval from Ryan or Steve.
2MG Daily
Recent articles from our blog on FHA qualification and debt ratios.
No related blog posts yet. Check back soon for the latest updates.
Ryan & Steve will calculate front-end and back-end DTI, flag student-loan and revolving items that matter, and show whether FHA, conventional, or another path fits best.
Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at .
Follow Us On
Contact
Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876
NMLS#
1221 Appletree Lane, Kokomo, IN 46902
© The 2 Mortgage Guys at . All rights reserved.