https://www.reyesrepublic.com/blog daily 0.75 2026-04-05 https://images.squarespace-cdn.com/content/v1/69aef45dd7eee67119676495/c960ba93-5942-464a-8600-fbd68b85b632/John+Logo.png https://www.reyesrepublic.com/blog/what-is-dti-and-why-does-it-matter monthly 0.5 2026-03-25 https://images.squarespace-cdn.com/content/v1/69aef45dd7eee67119676495/1774477848045-FTWQLYMW76WSHD38FMWT/unsplash-image-xBYsohNqXs0.jpg Info You May Need Blog - What is DTI and Why Does It Matter - So here is why this matters to you. You do not want to over-extend yourself and put yourself in a bad financial position. By keeping your DTI low you have the ability to budget properly and then with this knowledge you can make the best decision for you and your family. To make sure that no one is put in a bad position there are safe guards in the sense that getting approved for a mortgage is dependent on your DTI numbers. As a rule of thumb different programs have different DTI limits so generally Conventional: 28% front-end 36% backend FHA: 31% frontend 43% backend There are other programs but to keep things simple for our basic understanding of DTI you can keep this in mind. This is exactly why two people that make $90,000 a year could have different homebuying power. If you are ever unsure where you stand, it always helps to speak to a licensed professional. https://www.reyesrepublic.com/blog/build-your-credit-build-your-wealth monthly 0.5 2026-03-15 https://images.squarespace-cdn.com/content/v1/69aef45dd7eee67119676495/0f00579b-8e42-4357-86a4-eafeba67ba01/Good+Habits.png Info You May Need Blog - Build Your Credit, Build Your Wealth - Credit Building Tips and Tricks These are some incredibly helpful tips I have learned over the years through experience, credit specific sites, and Mortgage Loan Officers we have spoken to. Sources: Centier Bank, Credit Karma, myFICO, Equifax, NerdWallet https://www.reyesrepublic.com/blog/my-thoughts-fha-mortgages monthly 0.5 2026-03-15 https://images.squarespace-cdn.com/content/v1/69aef45dd7eee67119676495/37c408a1-3c83-4934-add0-545af713d355/Screenshot+2026-03-14+182919.png Info You May Need Blog - FHA Mortgages - There is no income limit, like in other government loans such as USDA There is a misconception that these loans are only for low-income or first-time home buyers Primary occupancy is required The graphic is directly from FHA Single Family Housing Policy Handbook which is updated just about every year indicating new loan limits You need to have income to pay the monthly mortgage 580+ Credit score eligible for 3.5% downpayment 500-579 Credit score requires a 10% downpayment Your debt to income ratio (DTI) will determine how much house you can afford TOTAL MONTHLY DEBTS / GROSS MONTHLY INCOME FHA provides mortgage insurace, aka MIP (Mortgage Insurance Premium) which is partially paid upfront 1.75% of the loan that can be financed into the loan and then partially paid in monthly payments https://www.reyesrepublic.com/blog/blog-post-title-two-t5my5-k4xmd-3atj8 monthly 0.5 2026-03-15 https://images.squarespace-cdn.com/content/v1/69aef45dd7eee67119676495/1773174674854-M2ZKZ8WNS8Q906RP2LLJ/unsplash-image-aren8nutd1Q.jpg Info You May Need Blog - Where do you start - A lot of people don’t know that your very first step to buying a home is to get pre-approved by a bank or lender. Getting pre-approved means you have contacted a loan officer and filled out an application for a mortgage; that will consist of the borrower’s name[s], giving general info on your income, assets, debts, and your social security number along with permission to check your credit. By giving this information, a loan officer will be able to calculate your debt-to-income ratio which will give the exact number of how much of a mortgage payment you can afford. This, in turn, will dictate how much house you can buy. Typically what happens next is you will reconnect with the loan officer and be given this pre-approval document. That is your golden ticket to go out and shop for a house. 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