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What Debt to Income Means?

Find out what Debt to Income Means and How it is Calculated
Annette Bui | Updated June 17, 2020 | Mortgage Programs 101
Debt to income is your monthly gross income based on the last two year average amount. This is conservatively always the base and excluding any overtime, commission, bonus unless you have at least two years history of receipt and trending upwards in the most recent year. If you have the year end paycheck stubs for the last two years, this is always the best way to be able to use the extra income. 


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