: Opening new credit cards or financing a car during the home-buying process can instantly disqualify you by inflating your recurring monthly obligations.
: This focuses strictly on your future housing costs, including principal, interest, taxes, and insurance (PITI). debt to income ratio buying a house
: For conventional loans with less than 20% down, a DTI over 45% can lead to higher Private Mortgage Insurance (PMI) premiums. : Opening new credit cards or financing a