Consumer Loan Score Blog

Plain-English guides to preparing for a home loan, HELOC, or auto loan conversation.

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Debt-to-Income Ratio (DTI) Explained: How to Calculate Yours

How to calculate front-end and back-end debt-to-income ratio (DTI), what counts as debt, and how to lower it. Examples included. Free check, no credit pull.

How to Prepare for a Mortgage Conversation: A Step-by-Step Checklist

A step-by-step checklist to prepare for a mortgage conversation: credit, DTI, down payment, reserves and documents. Free readiness check. No credit pull.