Dear Homeowner,

Your debt-to-income ratio (DTI) is often the deciding
factor in your loan modification.

That’s obvious. Less obvious is how EXACTLY you calculate
it. To confuse the issue even more, some lenders want
gross income, some want net. Some want only debts that
appear on your credit report, others want ALL household
income.

Asking your lender how to calculate your DTI is a really
bad idea. Asking me is a great idea because I can show you
how to torture the numbers to meet your needs.

I did an entire teleconference on this recently:

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To your success,

Mike Rockwood
60-Minute Loan Modification

p.s. I my complete Loan Modification Kit, I offer free expense
worksheet critiques. This ensures that you are presenting your
DTI properly right from the start.

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