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COLORADO MORTGAGE LOANS RE AVAILABLE, COLORADO MORTGAGE LOANS ARE EASY TO ACCESS PERTINENT INFORMATION, COLORADO MORTGAGE LOANS HAVE MANY DIFFERENT PROGRAMS, COLORADO MORTGAGE LOANS NEED TO BE COMPARED, COLORADO MORTGAGE LOANS, RECOMMENDS, GETTING APPROVED BEFORE YOUR HOME SEARCH. IT WILL INCREASE YOUR NEGOTIATING POWER!

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EXPLANATION OF THE "DEBT RATIO'S" PROGRAM

(FOR A CONVENTIONAL MORTGAGE PROGRAM ONLY)

A...MONTHLY HOUSING EXPENSE-TO-INCOME RATIO: To develope the monthly housing expense-to-income ratio, the lender must first determine the borrower's total monthly housing expense. Monthly housing expense is the sum of--

The benchmark monthly housing expense-to-income ratio for conventional mortgages is 28% of the borrower's stable monthly income.

B....TOTAL OBLIGATIONS-TO-INCOME RATIO: To develope the total obligations-to-income ratio the lender must first determine the borrower's total obligations. Total obligations are the sum of:

The benchmark total obligations-to-income ratio for conventional mortgage is 36% of the borrower's stable monthly income.

C....COMPENSATING FACTORS: A higher monthly housing expense-to-income ratio or a higher total obligations-to-income ratio (or both) may be acceptable for mortgages that have loan-to-value ratios of 90% or less, if the borrowers:

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