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: Managing existing debt is essential. Most lenders prefer a DTI ratio below 36%, though some government-backed programs allow higher thresholds.
The most critical phase of the journey occurs long before the first open house. In 2026, lenders prioritize stability and transparency.
: Experts recommend the "28/36 rule," which suggests that housing costs should not exceed 28% of gross monthly income, and total debt should stay under 36%. Navigating the 2026 Market
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