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Question regarding DTI

Regular Contributor

Question regarding DTI

My loan company didnt respond today to my question so I wanted to ask it here.

I am the co-signer on a loan for a car with my fiancé. When they do DTI for our mortgage, will it be included twice, or just once since we only pay one payment? Stupid question but you never know about what they think

Starting Score: myFico Scores Equifax 544 Transunion 585
Current Score: myFico Scores Equifax 655 Transunion 663 Experian 645
Goal Score: 700 Across the board


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2 REPLIES
Moderator Emeritus

Re: Question regarding DTI

Just once.  I assume you are applying together for the mortgage.  It is one payment and will be counted as one.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
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Regular Contributor

Re: Question regarding DTI

Yea together. Cleared up the problem with my old car loan so we will be doing a joint mortgage Smiley Happy thanks guys!

Starting Score: myFico Scores Equifax 544 Transunion 585
Current Score: myFico Scores Equifax 655 Transunion 663 Experian 645
Goal Score: 700 Across the board


Take the FICO Fitness Challenge
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