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Debt to Income Criteria for a 2nd Mortgage

One of the most important factors in qualifying for a 2nd mortgage is the debt to income ratio. Mortgage lenders do not want to risk extending money to borrowers that have too much debt.

Credit Score

Maximum Debt to Income Ratio

720+

50%

700 to 719

45%

680 to 699

45%

660 to 679

40%       

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