Mortgage Debt-to-Income Ratio: What Is It?

Your DTI compares your monthly debt obligations with your gross monthly income. Mortgage lenders use this information—along with your credit, assets, income, and other factors—when reviewing your loan application.

In this episode of Mark’s Mortgage Guide, we cover:

🏠 What debt-to-income ratio means
🧮 How DTI is calculated
💳 Which monthly debts may be included
📊 How DTI can affect your mortgage options
✅ Steps you can take before applying

Watch the full episode on YouTube or listen on Spotify!

#MarksMortgageGuide #DebtToIncomeRatio #MortgageQualification #Homebuying #MarkZachary #NextStepHomeLoans

Always here to help!

Mark

Mark Zachary

Broker/Owner

Certified Mortgage Advisor

NMLS# 201166

Next Step Home Loans, LLC

NextStepHomeLoans.com

Ofc: 832-504-9014

NMLS# 1746763

How long does it take to get pre-approved for a mortgage—and once you are, how long does that pre-approval last?

In this episode of Mark’s Mortgage Guide, Mark Zachary explains what lenders need to evaluate your financing, what can speed up or delay the process, and when your information may need to be updated.

You’ll also learn why getting pre-approved before finding a home can help you shop with confidence, understand your purchasing power, and be prepared to act when the right opportunity comes along.

Let us know how we can help.

All the best,

Mark

Mark Zachary

Broker/Owner

Certified Mortgage Advisor

NMLS# 201166

Next Step Home Loans, LLC

NextStepHomeLoans.com

Ofc: 832-504-9014

NMLS# 1746763

When is the best time to buy a home? Should you wait for lower interest rates, better prices, or a certain time of year—or is the right time determined by your personal readiness and long-term goals?

In this episode of Mark’s Mortgage Guide, Mark Zachary sits down with Sylvia Reyes, Broker and Owner of SevenTwenty Realty & Investments, to discuss what buyers should consider before deciding when to purchase.

With more than 20 years of real estate experience, Sylvia serves Houston, Pearland, and surrounding communities. She works with first-time homebuyers, experienced investors, sellers, relocating families, and residential, commercial, and international clients.

In this episode, Mark and Sylvia discuss:

• Why the “perfect” time to buy may not exist
• How personal and financial readiness affects timing
• The relationship between interest rates, home prices, and competition
• Opportunities buyers may have in today’s market
• Why professional guidance matters before making a decision

Sylvia is fluent in English and Spanish. Her professional credentials include the Certified International Property Specialist designation, Accredited Buyer’s Representative designation, Texas Affordable Housing Specialist certification, and completion of the Texas REALTORS® Leadership Program.

Contact Sylvia Reyes:

Phone: 832-330-0514
Email: reyes.sylvia@yahoo.com
SevenTwenty Realty & Investments

Contact Mark Zachary:

Mark Zachary
Owner | Certified Mortgage Advisor
NMLS #201166

Next Step Home Loans, LLC
NMLS #1746763
12841 Jones Rd. #245
Houston, TX 77070
Office: 832-504-9014 x101
Cell: 832-241-8667
Mark@NextStepHomeLoans.com
NextStepHomeLoans.com

#MarksMortgageGuide #HoustonRealEstate #PearlandRealEstate #Homebuying #TexasMortgage #MarkZachary #NextStepHomeLoans