See why you should lower your DTI before applying for a HELOC and how it affects approval, rates, and credit limits.

Discover how to get a loan with a high debt-to-income ratio. Find lenders who work with high-DTI borrowers and explore alternative loan options.

Most mortgage lenders consider 43% or lower to be a good debt-to-income ratio. But a higher DTI may be OK, too. Here's what you should know.

Learn how to calculate your Debt-to-Income (DTI). See which mortgage programs and mortgage rates may be available to you.

DTI, your 'debt-to-income ratio,' includes taxes and insurance as part of your mortgage payment. Here's how to find your DTI with taxes and insurance.

The FHA changed how it treats overtime income, part-time income, and gift funds; and, also how it treats student debt and loans for cars. This is big news for buyers of homes.

A debt-to-income ratio is not just a number for lenders to use. Buyers can calculate it themselves and use it to estimate their comfortable home payment.

Explore HELOCs vs. HEAs and how each can help homeowners pay off debt. Compare pros, cons, and key risks before you borrow.

HEI requirements for low credit and income—learn how approval works, what lenders look at, and how HEIs compare to HELOCs and home equity loans.

Qualifying for a home equity loan on retirement income requires stable Social Security, pension, or 401(k) income, a 620+ credit score, and 15-20% equity.

If used correctly, personal loans can help tame debt at a lower interest rate and make it more realistic to become debt-free.

Should you pay off credit card debt with a personal loan before a mortgage? Learn how it affects DTI, underwriting, and your approval odds.

HEI for debt consolidation gives you a lump sum from your home equity with no monthly payments or interest. Instead, you share future home appreciation.

Using a personal loan to lower DTI for a mortgage? See when consolidation helps, when it backfires, and how lenders evaluate your payments.

Using a HELOC to supplement retirement income carries risks like variable rates, payment shock, and foreclosure. Learn when it works and safer alternatives.

Jumbo HELOCs let homeowners borrow can borrow over a $1 million against their equity— but it requires navigating a different set of rules.

This guide covers high-income qualification requirements, strategies for approval with elevated DTI, and how to find flexible lenders.

HELOC for debt consolidation could substantially cut your interest rate but your home becomes collateral. See the pros, cons, and alternatives.

If you're facing big debt with high interest rates, consolidating it through your home equity could save you a lot of money.

While there isn't a minimum income required for mortgage loans, most lenders do have certain income guidelines. Here's what expected of most borrowers.