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Auto payments under 10 months exempt from debt to income ratios
Auto monthly payments with 10 months or less is exempt from debt to income ratio calculations with mortgage lenders. However, a auto lease payment is not exempt from debt to income ratio calculations when it comes to mortgage lenders. The reason lease auto payments of 10 months or less is not exempt from mortgage debt to income calculations is because mortgage lenders feel that once a consumer's auto lease is up, they will get another auto lease.


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