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Refinance > Qualification Ratios

The following information is about Qualification Ratios.

Qualification Ratios Defined

Qualification ratios are set by the lender that state your housing expense to income, and housing expense plus other debts to income, cannot exceed a specified number. Many lenders use a 28% housing expense to income and a 36% housing expense plus debts to income. Other ratios may be how much you put down on a home.

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