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0:50
Lenders consider multiple factors, your credit history, debt-to-income ratio, employment stability and the property condition matter. So, don’t let a “less-than-perfect” credit score hold you back from homeownership. Connect with a mortgage professional who understands your unique situation and can help you explore the options available. If you have questions, I’m here to help as well. Remember, your credit score is just one factor in the larger picture of your mortgage journey. #credit #creditr
91 viewsMar 27, 2025
FacebookDavid Osborn
0:47
Your total debt amount doesn’t matter as much as you think when buying a home 🏡 Here’s what lenders actually look at: your debt-to-income ratio. Not the total you owe. This is the relationship between your monthly debt payments and your monthly income — and it’s the #1 factor in mortgage approval. Here’s how to calculate yours: ✓ Add up ALL monthly debt payments (credit cards, student loans, car payments) ✓ Calculate your gross monthly income (before taxes) ✓ Copy this prompt into ChatGPT: **“Y
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