Loans with DTI Ratios Above 43% Might Be Non-QM. In other words, many loans can still exceed 43% DTI and get the QM seal of approval. However, loans that are in the jumbo realm (loan amounts above what the aforementioned agencies accept) and above 43% DTI are most likely non-QM territory.
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Mortgage Pre Qualification Letter Say you apply for a mortgage or pre-qualification letter to buy a home. Your loan officer will need you to unfreeze your files at the three bureaus in order to pull your credit reports and scores.