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Are the insurances factored into DTI of the mortgage?

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If the P& I total alone allow for a good DTI (say 26%), but adding in PMI and Hazards insurance could put you in say 32% for DTI, could this affect the ability to get an FHA loan???

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September 27 - Modesto
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It also depends if you're talking about your top or bottom end ratios. You need to watch your bottom end ratio which is the combination of your current monthly debt plus the new housing expense.
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September 28
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You should be fine.

Good Luck
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September 28
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Don't forget a monthly figure for your property taxes.  It is all taken into account when comparing your debt to your income
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September 27
 

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