Knowing the BUYERS Debt to Income ratio is important!

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This informs you how “financially fit” the purchaser is (and if you have no idea how significant this is…please click the link)


Do you have a listing with several offers? Or have a purchaser that is in a difficult price point and want to know what “wiggle’’ room they have?

Are you a Listing agent? Just contact and ask the lender ‘’ “What is the buyers Debt to Income ratio?”  Not all loan officers will inform you, (because they don’t need to) but it’s worth the time to ask! If a 1 offer is at 44% vs. and a different offer at 38% – choose the one with the lowest ratio!!  This means they are more qualify to purchase the home and less chances of fall out.

Are you a Buyer’s agent?  YOUR loan officer often tell you what this is  – and if you don’t know – INQUIRE!  This is tremendously, powerful that you should know!


In general – these are the max ratio’s accepted:

Conventional Max: 45%

FHA: 50%  *** and even higher with definite exceptions

VA and USDA: 41%

We are Frisco, TX home specialists. If you have any questions about real estate in Frisco, or any neighboring DFW communities, please fill out our contact form, or call 469-556-2393 for assistance.

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Nick Walton
JP And Associates REALTORS