Debt-to-income ratio Equity Loan Officer 
Housing Wire
MAY 8, 2025
Todays best loan officers operate differently and expect more. Naturally, this means loan officers (LOs) dont work the same way anymore, either. The modern LO routinely analyzes debt-to-income ratios in the context of retirement savings goals. They simply cant if they wish to succeed.
The Mortgage Report
JULY 24, 2025
Eligibility often depends on factors like being a first-time buyer, meeting income limits, and maintaining a qualifying credit score, though the details vary by program. Just understand that the money typically isn’t free,” says Matt Schwartz , branch manager and loan officer with Southlake Mortgage.
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Redfin
JULY 30, 2025
These loans are offered from private lenders and are backed by the Federal Housing Administration (FHA). An FHA loan may be ideal for those with a lower credit score or a higher debt-to-income ratio. USDA loans USDA loans are government-backed mortgages requiring zero down.
Housing Wire
JULY 10, 2025
Rate predictions went awry Mark Worthington, a Bend, Oregon-based branch manager for Churchill Mortgage , says that clients were misled by loan officers who thought they could “predict” rates, leading them to push their budgets. “Most loans have a typical debt-to-income ratio of approximately 45%.
Housing Wire
NOVEMBER 7, 2023
This implies easing inflation next year, and mortgage rates near 6% would help affordability issues caused by two things: The inflation fight has fueled the mortgage rate spike Low inventory and a steady job market have put a floor on home prices The good news is that GSEs remain committed to loan approval guidelines that help in these tough cycles.
Housing Wire
MAY 25, 2022
Between significantly fewer refinances, rising mortgage rates and housing inventory nearly cut in half since 2020, loan officers (LOs) and brokers face a pivotal time where adaptation is a must for success. This loan allows borrowers to buy additional investment properties with less documentation than conventional loans.
Housing Wire
AUGUST 26, 2024
In the meantime, these companies could market other products, such as home equity loans, to borrowers in these portfolios. Middleman pointed to average loan-to-value ratios of 50%, average debt-to-income ratios in the low 40% range, and credit scores in the low 700s as indicators of an “extraordinary” credit.
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