What’s the Recommended Debt-to-Income Ratio for a Mortgage Loan?

Hey everyone,

I’m looking into buying a home and came across the term debt-to-income (DTI) ratio. From what I’ve gathered, most lenders prefer that your DTI ratio stays below 36%, with some allowing up to 43% for certain loans. This helps ensure that you're able to manage your mortgage payments along with other debts.



I’m curious if anyone has experience with getting approved at the higher end of that range, or if you’ve had better luck keeping your DTI lower? Any tips on managing your DTI before applying?

Also, I’ve been researching lenders and came across Dream Home Mortgage. They seem to offer great guidance for anyone looking to navigate the mortgage process. Has anyone here worked with them?

Thanks in advance for your insights!