[Sandy]

When reviewing the ability To Repay on a TRID loan is it ok that a couple of smaller payments that were on a borrower’s credit report are not added into the list of debts to calculate the DTI ratio & as long as it doesn’t affect the DTI very much? We are a small creditor so we do have require our borrower’s DTI be at 43%, although we do aim for that. I am trying to see if it should be written up as an exception.

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