Mortgage Resources Hub
Comprehensive guides, calculators, and tools for manual underwriting across all loan programs. Everything you need to close more loans and serve more borrowers.
Manual Underwriting Guides
Comprehensive guides for manually underwriting loans when automated approval isn't available. Master the guidelines to help more borrowers qualify.
- DTI limits up to 50% with compensating factors
- Credit scores as low as 500
- Residual income requirements
- 12-month housing history alternatives
- No maximum DTI with strong residual income
- Residual income by region and family size
- VA-specific compensating factors
- Credit event waiting periods
- DU/LP manual underwriting paths
- Non-traditional credit alternatives
- Reserve requirements
- Income documentation flexibility
- DTI up to 46% with compensating factors
- Residual income by household size
- Rural area eligibility requirements
- Income limits by county
DTI & Mortgage Calculators
Calculate debt-to-income ratios, residual income, and loan affordability with our specialized calculators.
FHA DTI Calculator
Calculate your FHA debt-to-income ratios and see how compensating factors affect your maximum DTI.
Open CalculatorUSDA DTI Calculator
Calculate USDA DTI ratios and residual income requirements for rural development loans.
Open CalculatorAffordability Calculator
Estimate how much home you can afford based on your income and debts.
Open CalculatorQuick Reference: DTI Limits by Program
FHA
Max DTI with compensating factors
31% front / 43% standard
VA
With sufficient residual income
41% guideline / residual required
USDA
Max DTI with compensating factors
29% front / 41% standard
Conventional
DU max with strong factors
36% standard / varies by AUS
Additional Resources
More tools and guides to help you succeed
Mortgage Glossary
Comprehensive glossary of mortgage terms and definitions for loan officers and borrowers.
Forms & Documents
Download common mortgage forms, checklists, and document templates.
Video Library
Educational videos covering loan programs, underwriting tips, and market updates.
Tax Strategy Guide
Tax planning strategies for real estate investors and self-employed borrowers.
Rate Lock Guide
Understanding rate locks, float-downs, and when to lock your mortgage rate.
Cost Segregation
Accelerated depreciation strategies for investment property owners.
Need Help with a Tough File?
Our experienced underwriters can review your scenario and help you find a path to approval. We specialize in manual underwriting and non-QM solutions.