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Debt to Income Ratio requirements for Conventional Loans
Conventional Loans have a maximum debt to income ratio cap of 45%. Conventional Loan programs do not have a maximum front end debt to income requirement. Those who have great credit but higher than 45% debt to income ratios need to go with other mortgage loan programs like FHA. FHA has front end debt to income ratio requirements of 46.9% and back end debt to income requirements of up to 56.9%.


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