FHA front-end and back-end DTI guidelines, compensating factors, and manual underwriting. The 2 Mortgage Guys at Luminate Bank, lending nationwide.
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FHA Debt Ratio
FHA is known for more flexible debt-to-income ratios than many conventional programs. Manual underwriting often starts around 31% housing and 43% total DTI, while automated underwriting can approve higher ratios when credit, reserves, and residual income support the file. Ryan and Steve model your real ratios before you shop.
DTI is a core underwriting signal — but FHA often leaves more room than buyers expect.
Knowing what counts — and what does not — prevents surprise denials.
Small moves before application can change the outcome.
We run realistic FHA scenarios — not optimistic napkin math.
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Related guides to help you compare options and move toward pre-approval.
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Ryan & Steve will calculate front-end and back-end DTI, flag student-loan and revolving items that matter, and show whether FHA, conventional, or another path fits best.