Emanuel Stewart - Reliant Home Lending

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Emanuel Stewart April 29, 2025

What Percentage of Your Income Should Go Toward a Mortgage?

When buying a home, one of the most critical financial decisions is determining how much of your income should go toward your mortgage. Striking the right balance ensures that you can comfortably afford your home without stretching your budget too thin. Lenders use various guidelines to help buyers determine affordability, but personal financial goals and lifestyle should also factor into the decision.

Filed Under: Mortgage Tips Tagged With: DTI, Mortgage Payments, Mortgages

Emanuel Stewart October 18, 2023 Leave a Comment

How Do Mortgage Lenders Decide How Much You Can Borrow?

When it comes to buying a home, one of the most critical factors to consider is how much you can borrow through a mortgage.

Filed Under: Mortgage, Mortgage Tips Tagged With: Applying For A Mortgage, DTI, Mortgage Approval

Emanuel Stewart April 6, 2023

Why Your ‘Debt-to-Income Ratio’ Number Matters When Obtaining a Mortgage

If you are looking to buy a home, you may want to consider shopping for a loan first. Having your financing squared away ahead of time can make it easier to be taken seriously by buyers and help move along the closing process. For those who are looking to get a mortgage soon, keep in mind that the Debt-to-Income ratio of the borrower plays a huge role in the approval of your mortgage application.

Filed Under: Mortgage Tips Tagged With: Credit, DTI, Mortgage Tips

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