Скачать или смотреть What is DTI or Debt-to-Income Ratio?

DTI, or debt-to-income ratio, is one of the key numbers lenders use to decide how much you can afford to borrow. In this video, we explain what DTI is, how it’s calculated, and why it matters—using simple language and real-world examples.

If you’re buying a home or applying for a mortgage, understanding your DTI can help you prepare for loan approval and avoid surprises during the process.

In this explainer, you’ll learn:
What DTI (debt-to-income ratio) is,
How lenders calculate DTI,
What types of debts are included,
How DTI affects mortgage approval,
Common DTI guidelines lenders use, and
Why a lower DTI can lead to better loan options.

This video is part of our Mortgage Basics playlist, a series of short explainer videos that break down common mortgage and homebuying terms like down payments, PMI, appraisals, pre-approvals, escrow, and loan types—without jargon or fluff.

👉 Watch the full playlist to better understand how lenders evaluate borrowers and how key financial factors affect affordability and approval.

Have a question about DTI or another mortgage term? Leave it in the comments.

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