Finance
In Maryland, the debt-to-income (DTI) ratio that many conventional lenders use as a guideline for qualification is:
ABelow 28% front-end only
BUp to 43–45% total DTI for most programs✓ Correct
CBelow 25% total
DAbove 50% for government loans
Explanation
Most conventional lenders look for a total (back-end) DTI of 43–45% or less, though some programs allow higher ratios with compensating factors.
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