When Buying or Refinancing a house you will need to qualify with verifiable income and monthly debt obligations, known as your debt to income ratio, what income comes in that can be verified versus what debt is going out.
FHA, Conventional, VA, and USDA have different qualify debt ratios for the front in which is total monthly house expense and back end debt ratio which is monthly house expense along with monthly debt obligation such as but limited to credit card debt, student loans, auto loan, and other installment obligations
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