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Not gonna lie, I see this all the time—people get hung up on DTI like it’s the only thing that matters. It’s important, but lenders are really looking at the bigger picture. Like you said,
That’s spot on. I’ve seen folks with a slightly high DTI still get approved because they’ve got a solid job history or a big down payment. The paperwork is a pain, but it’s really about showing you’re reliable overall. The internet definitely oversimplifies how these decisions get made.“Credit score and steady income seemed to carry more weight than the DTI number itself.”
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