Front-End Ratio vs. Back-End Ratio The front-end ratio measures how much of a person's income is allocated toward mortgage expenses, including PITI. In contrast, the back-end ratio measures how much of a person's income is allocated to all other monthly debts. It is the sum of all ot...
In reality, mortgage lenders may accept higher ratios depending on yourcredit score, savings, down payment, and the type of mortgage loan. Paying your bills on time, earning a stable income, and maintaining agood credit scorecan also help you qualify for amortgageloan. Higher front-end DTIs ...