re: Debt to income ratio (front end and back end)

paul: if you have a 680 or up credit score you can put as little as 5% down non FHA loan. if your married they take the lowest middle credit score between the 2 of you. jumbo loan require 20% down because PMI companys will not insure jumbo loans. jumbo loans are all loans over 417k. debt to income ratios max are 45% on the back end and we use gross income to calculate that. front end is 40%. if you post an email address i will email you and answer any other questions you might have.