Max back end dti with 620 middle FHA

[amckee]

Middle score of 620 mortgage 

is 52% dti factoring in mortgage  for a total of 52% dti.   Hard to get threw underwriting for fha 

 Grtting a little nervous thinking it may not get approved and comparable scenarios ??

[VALoanMaster]

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@amckee wrote:

Middle score of 620 mortgage 

is 52% dti factoring in mortgage  for a total of 52% dti.   Hard to get threw underwriting for fha 

 Grtting a little nervous thinking it may not get approved and comparable scenarios ??

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It all depends on whether or not you get approved through an automated underwriting system (AUS).

FHA will go as high as 57% with an AUS approval but, if your file has to be manually underwritten, FHA caps the back end debt ratio at 50%.