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Debt to Income ratio, is also known at DTI. This figure, presented as a percentage, is arrived at by determining your monthly debt payments (credit cards, mortgages, car payments, student loans, etc) then dividing that figure by your monthly income. If your monthly debt payments for example are $3,000, and your earnings are $6,000, your DTI would be 50%. Many lenders prefer to see a DTI of less than 43%, but if your DTI is over that, it does not mean that you can’t get a loan. Speak with an experienced mortgage professional to learn more.