Know Your Borrowing Power Before You Apply.
 
Most people focus on their credit score alone. Experienced lenders focus on your Debt-to-Income ratio (DTI) just as much.
 
Before you apply for a mortgage or funding, ask yourself:
✔ Do you know your true DTI?
✔ Are you under the 40% approval threshold?
✔ Are you in the “Excellent,” “Moderate,” or “Risky” range?
✔ Are there red flags underwriting will catch before you do?
 
The Debt-to-Income Calculator by Desiree McClendon helps you calculate your real borrowing power before you apply. Preparation is power.
 
Inside this worksheet, you will:
✔ Calculate your total gross monthly income
✔ Calculate your total monthly debt obligations
✔ Use the official DTI formula lenders use
✔ Identify where you fall on the approval spectrum
✔ Understand how lenders evaluate risk
 
Clarity like this prevents surprise denials. Your Debt-to-Income ratio determines:
Loan approval
Maximum loan amount
Interest rate
Underwriting risk level
Whether you qualify for FHA, Conventional, or other programs
 
Even with a 700+ credit score, a high DTI can cause denial. Homebuying is about alignment — not just one number.
 
This free resource is perfect for:
Future homebuyers
Individuals preparing for pre-approval
Self-employed borrowers
Entrepreneurs seeking funding
Anyone wanting to understand their borrowing power
If you plan to apply within the next 6–12 months, this is essential. Download It Free.
 
Stop guessing how much home you qualify for.
 
Calculate your DTI today and position yourself before you apply.