Why was I denied a mortgage when my income is fine?
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Lenders do not ask whether you can afford the house. They ask what share of your income is already promised to somebody else, then whether the mortgage fits in what is left.
That is why two people on identical salaries get different answers. A car payment and a student loan can push you past the line on an income that comfortably covers the mortgage itself.
It also points at the fix, and it is not earning more. Clearing the car loan can move the ratio further than a raise would, because it removes a payment instead of adding income that is taxed.
Run it with your own numbers →
Free, no account. Change anything and watch the total move.
Session 7: Rent, own, and the gate in between →
Debt-to-income is the test that stops most people, and it is not about your income. Plus what you actually need on day one.
- What does it really cost?
- Who gets paid if I say yes?
- What would this money do somewhere else?
Other straight answers