High debt-to-income ratio? Don't count yourself out on a VA loan. 🇺🇸
VA doesn't have a hard DTI cap. When you're over 41%, what matters is your residual income, the money left over each month after your bills. If your residual exceeds VA's guideline by 20%, your income is stable, and your credit is satisfactory, the loan can still work.
The other piece most buyers never hear about is underwriting authority. When your lender has it, the underwriter can make the call on your file directly. No waiting on someone else's two cents.
If another lender told you "your DTI is too high," let's take a second look.
📞 Richard Sarey | Broker Owner, Alliance Mortgage Group
214-872-2188
NMLS #291309 | Company NMLS #292257
Helping Heroes Become Homeowners
#VALoan #VAHomeLoan #VeteranHomebuyer #MilitaryHomebuyer #DTI #ResidualIncome #FirstTimeHomebuyer #TexasRealEstate #MortgageTips #HelpingHeroes
Equal Housing Opportunity. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs. All loans subject to credit approval and underwriting guidelines.
