Income and Debt Requirements. Income and monthly expenses are important. Conventional mortgages qualify applicants using fractions and percentages that weigh their income and their ability to repay their mortgage on time. Debt-to-income ratios are used (DTI) to evaluate applicant earnings and expenses. Conventional debt-to-income ratios are known as the Front Ratio, and the Back Ratio. Standard conforming loan debt-to-income ratio limits are 2836.
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