What is the max DTI of this program?
No specific program was identified in your question; the breakdown below covers all programs found across the knowledge base.
Maximum DTI by Program
Fannie Mae (Conventional / Agency)
- Manual Underwriting — Standard max: 36%; can be exceeded up to 45% if the borrower meets the credit score and reserve requirements per the Eligibility Matrix
- DU (Desktop Underwriter) — Maximum allowable DTI: 50%
- Non-Occupant Co-Borrower (Manual) — Using occupant-only income, max DTI: 43%
Mega Capital — Freddie Mac Refi Possible
- Max total monthly DTI: 65% (applies with or without a non-occupying borrower)
Nations Direct Mortgage — Freddie Mac Refi Possible
- Max DTI: 65% per the program matrix
Nations Direct Mortgage — Non-QM Home Equity 2nd (TDS)
- Max DTI: 50% across all loan amount tiers
Nations Direct Mortgage — Ignite Full Doc (Non-QM)
- Standard max DTI: 50%
- Expanded DTI 50%–55% allowed with all of the following restrictions:
- Min 700 FICO
- Max 80% LTV/CLTV
- Primary Residence only
- No First-Time Homebuyer
- Purchase or Rate & Term only
- Max loan amount $1,500,000
- No 40-Year IO
Nations Direct Mortgage — Ignite P&L Only
- Standard max DTI: 50% (Expanded DTI not available)
- DTI > 43% requires residual income of $2,500 + $150 per dependent
Nations Direct Mortgage — Non-QM 1099
- Max DTI: 50% (Expanded DTI above 50% is not available on the 1099 product)
- DTI > 43%: Residual income of $1,500 recommended
JMAC Lending — FHA Standard & High Balance
- Subject to AUS for most FICO/LTV combinations
- Manual Underwriting with 500 FICO: 31%/43%
- AUS with 500 FICO: 46.99%/50%
Forward Lending — FHA Product
- AUS (FICO ≥ 580): Follow AUS Approve/Accept findings
- AUS (FICO < 580): Max 50% regardless of AUS findings
- Manual Underwriting (FICO ≥ 580):
- 37%/47% with one compensating factor
- 40%/40% with no discretionary debt
- 40%/50% with two compensating factors
- No FICO loans: Capped at 31%/43% regardless of compensating factors
Forward Lending — VA Product
- AUS Approve/Accept (Fixed): Max 65% (> 65% requires Credit Policy 2nd-level review)
- Manual Underwrite (580 FICO): Max 50%
- Manual Underwrite (No FICO): Max 45%
- ARM (DU only, loan ≤ $1.5M): Per AUS with max 65%
- ARM (Manual Underwrite): Max 45%
Forward Lending — HELOC
- 1-Unit: Max 50%
- 2–4 Units: Max 45%
- FICO 600–639: Max 45%
Forward Lending — Non-QM Core Flex
- Max DTI: 45%
Mega Capital — Simple Elite Bank Statement (Non-QM)
- Max DTI: 50% across all LTV tiers
Greenbox — Elite Plus Full Alt Doc
- Standard max DTI: 50%
- Loan amount > $3,500,000: Max DTI 43%
- P&L Only (incl. 2BS) & Asset Utilization: Max DTI 43%
- Borrowers living rent-free or with incomplete housing history: Max DTI 43%
Greenbox — CES Full Alt Doc (Closed End Second)
- Standard max DTI: 50%
- Interest-Only Senior Lien: Max 45%
- Loan Amount > $750K: Max 43%
Greenbox — ITIN Full Alt Doc
- Borrowers living rent-free or with incomplete housing history: Max DTI 43%
Newfi Lending — Sequoia NQM Expanded
- Standard max DTI: 50%
- 55% allowed with restrictions (per guidelines)
AD Mortgage — Non-QM (Super Prime / Prime)
- Back-End DTI: 55% (Super Prime) / 43% (Prime and Foreign National)
AD Mortgage — VA Overlays
- Loan amounts > $1.5M: Max DTI 45% regardless of AUS approval
AD Mortgage — DSCR & Foreign National Programs
- No DTI required
AmWest — Alt Doc HELOC & Full Doc HELOC
- Standard max DTI: 49%
- Loans up to $750K line amount: 45%
- Interest-Only 1st Lien restriction: Max 45%
