Maximum DTI for Credit Qualifying Loan Products

April 9, 2020rashtonBulletin


This temporary guidance is effective for all loans submitted on or after April 13, 2020.

Carrington Mortgage Services, LLC (CMS) is temporarily updating the debt to income (DTI) guidelines for all credit qualifying loan products. This includes FHA, VA, USDA and Conventional products for both Manual and AUS Underwritten loans.

As of the effective date and until further notice, the maximum DTI permitted is 55% for all credit qualifying loan products regardless of AUS approval. Where max debt ratio limits are more conservative, standard guidelines still apply.

Please Note: This is temporary guidance only and CMS will not be updating the program guidelines.


Please contact your Account Executive or Account Manager with any questions.

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