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Jumbo Loans
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I've been digging into this stuff lately, and the DTI ratio thing is definitely tricky. Even if your credit score is solid, seems like lenders get pretty cautious once you're close to that 43% mark. Makes me wonder—does anyone know if lenders typically factor in potential future income (like scheduled raises or bonuses) when calculating DTI, or do they strictly stick to current earnings? Curious how flexible they really are on that front...
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