I'm trying to get my head around this whole debt-to-income thing because I'm thinking about applying for a mortgage soon. I've read a few articles online, but honestly, it's all starting to blur together. One site says one thing, another says something else... you know how it goes. Anyone here recently navigated this and have some practical tips or maybe a good calculator/tool that's actually reliable? I'm probably overthinking it, but better safe than sorry, right?
You're definitely not alone—I went through the same confusion a few months ago when applying for my first mortgage. Honestly, the different calculators online threw me off too. What helped me most was talking directly with a mortgage advisor at my bank. They clarified exactly how my specific debts and income factored in, and it turned out simpler than I'd expected. You're right to be cautious, but from my experience, once you get personalized advice, it all becomes way clearer.
