To get the ratio as a percentage, you would then multiply 0.5 x 100 = 50%. Your DTI would be 50%. The ideal DTI varies by lender, type of loan and loan size.

But the DTI portion of the changes to the pricing grid was pushed back to Aug. 1, 2023, with the regulator saying the DTI charges wouldn’t affect any loans purchased by Fannie Mae or Freddie Mac ...

The Federal Housing Finance Agency’s (FHFA’s) decision to delay implementing the controversial upfront fee on Fannie Mae and Freddie Mac borrowers with higher debt-to-income (DTI) ratios gave ...