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. It is no secret that debt to income ratio is one of the most critical components that underwriters consider before approving an equity loan or HELOC. Second mortgage debt to income ratio requirements are typically lower with banks and higher with lending companies that actually specialize in home equity programs.

Credit Score

Maximum Debt to Income Ratio



700 to 719


680 to 699


660 to 679


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1 Second Mortgage

Should I refinance a 2nd mortgage?

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