Johnson Team Real Estate

Wondering what DTI ranking is and why it matters in real estate? 🤔🏡

Debt-to-Income (DTI) Ratio: This crucial metric measures your total monthly debt payments against your gross monthly income. Lenders use it to assess your ability to manage monthly payments and repay debts.

📊 What It Means:

Low DTI: Indicates strong financial health, making it easier to qualify for loans.
High DTI: May signal potential financial strain, potentially affecting loan approval.
Understanding your DTI can help you prepare better and secure favorable mortgage terms!

Today’s buyers are putting less money down. And that’s reassuring if you’ve been feeling priced out of the market lately.

The typical buyer put down about $23,400 in early 2026 – that's a 19% year-over-year dip, and the lowest down payments have been since 2021. How’s that possible?

A more balanced market and more moderate home prices are easing the pressure to put a big sum down. Plus, more buyers are opting for loans that require little or no down payments, like FHA and VA loans.

That combination is helping more people stop waiting and start buying.

So, if saving’s been the holdup, it’s time to explore your options. 360-303-2734