Mortgage Real Talk Blogs with Savant Mortgages

Smarter Decisions Start Here!

Mortgage Real Talk BLOGS

Tired of confusing mortgage jargon? Mortgage Real Talk breaks it down with straight answers, smart tips, and real-world advice for anyone buying, refinancing, or investing in property.

You Don’t Need to Be Debt-Free to Buy a Home: Why a 45% DTI Still Works

Published on: 01/08/2025

Learn how a debt-to-income ratio of up to 45% can still qualify you for a mortgage. Learn how lenders assess DTI and how to position yourself for approval, even with existing debt.

Mortgage Tips