Absolutely.  Mortgage loan approvals depend on many factors including credit, debts, income, assets and reserves.  The mortgage calculators do a good job of computing these numbers but this is data that is still open for interpretation and data that can be pushed and pulled based on other factors about the home loan applicant.  For instance, a high propensity to save can overcome a higher than usual debt ratio.  Or a large down payment may help compensate for less than perfect credit.  Use the mortgage calculator as a guide not as the last word on loan decisions.

No user commented in " If the debt ratio the mortgage calculator displays is above the standard based on my income and debt payments, can I still apply or be approved for a loan? "

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