High Debt to Income Ratio Loans in Phoenix AZMortgage Options When Your DTI Is High
Been told your debt-to-income ratio is too high for a mortgage? Plenty of loan programs work for higher DTIs than standard rules allow. Non-QM lenders, asset-based programs, and DSCR loans (for investors) all bypass the standard DTI limits. I'll find the one that fits.
- 10+ Years Experience
- License NMLS# 1455718
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
When You Need High Debt to Income Ratio Loans
High-DTI loans matter when your monthly debts (housing plus other debts) take up a bigger share of your income than standard conventional rules allow. This often happens to high earners with student loans, business owners with business debt on their personal credit, and investors with mortgages on rental properties. Standard lenders may say no, but specialty programs have higher DTI thresholds or use different income calculations.
Our High Debt to Income Ratio Loans Process
Here's how we find the right high-DTI option for you. Call or text me with your income, your debts, and what you're trying to buy. I'll match you with the right program — Non-QM, asset-based, DSCR for investors, or a portfolio loan. Pre-approval typically takes a day. Most high-DTI loans close in 25 to 35 days. I'll explain every step.
High Debt to Income Ratio Loans Cost in Phoenix
High-DTI loans usually carry slightly higher rates because lenders take on more risk. Your rate depends on the program, your credit, and your down payment. I shop dozens of lenders that specialize in higher DTIs. Every fee in writing before closing.
Why Choose Us
High-DTI loans are a specialty. Most banks have a hard cutoff and say no. I have access to lenders who look at the full picture and approve loans others won't. Ten years in the business and 50-plus five-star reviews. Same-day response on every call and text.
Ready to Get Started?
DTI too high for your bank? Call or text Mark at (480) 690-9790 and I'll find the right program today.
For more credit-flexible programs, see all of our Credit Counseling Service services in Phoenix.
Reviewed by
Mark Fazio — Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.