“When we seek to discover the best in others, we somehow bring out the best in ourselves.”
                                                                                - William Arthur Ward






A debt-to-income ratio (often abbreviated DTI) is the percentage of a
consumer's monthly gross income that goes toward paying debts.

In order to qualify for a mortgage for which the lender requires a debt-to-income ratio of 28/36:

    * Yearly Gross Income = $45,000 / Divided by 12 = $3,750 per month income.

 $3,750 Monthly Income x .28 = $1,050 allowed for housing expense.
                                  $3,750 Monthly Income x .36 = $1,350 allowed for housing expense                                  
                                                                                ... plus recurring debt.

















False Stated Income Loan Fraud