Your 2026 DTI Report

Your DTI Debt-to-Income
Ratio — What Lenders See

Based on 2026 mortgage lending standards from CFPB, FHA, VA, and Fannie Mae guidelines.

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Your Result
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Lower DTI
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Loan Types
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Your Debt-to-Income Ratio
0%36%43%50%+
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Your DTI vs. 2026 Lender Requirements

Immediate Next Steps

1

Get a Mortgage Pre-Approval

Many buyers use Rocket Mortgage pre-approval to check eligibility before making an offer — under 10 minutes, no credit impact.

2

Consolidate High-Interest Debt

Accredited debt consolidation programs combine multiple monthly payments into one lower payment — directly reducing your DTI.

3

Refinance Private Student Loans

Lenders like SoFi and Sallie Mae can reduce a $600/month student loan payment to $380 — a significant DTI improvement.

4

Check VA Loan Eligibility

Veterans may qualify for a VA home loan pre-approval with DTI ratios up to 60% — far more flexible than conventional lending.

Step 3 of 4 — Reduce Your DTI Fast
7 proven strategies to lower your debt-to-income ratio before you apply
If your ratio is above 43%, you need a plan before approaching any lender. The next page shows exactly what moves the needle fastest — including options that show results in 30 days.
  • Debt consolidation programs that cut monthly payments by 30–50%
  • Student loan refinancing options for 2026
  • How to use a HELOC or Mr. Cooper home equity loan to qualify
  • VA debt consolidation for veterans with high DTI
See How to Lower My Debt-to-Income Ratio → Free guide — 7 strategies ranked by speed and impact