September 2, 2013 at 10:05 pm EDT
#3921
jholzknecht
Keymaster
Keep in mind that there are seven ability to repay standards. The 43% DTI ratio appears in some but not all of the ATR options. for example under the Eight Factors there is no limit on the DTI% other than the bank’s own standards. I doubt that bank policy allows a debt-to-income ration of 63%.