The analysis of an applicant's income to determine whether it is qualified, according to mortgage lender's guidelines, for a particular loan program. The lender normally qualifies the applicant's income by determining the debt-to-income (DTI) ratio and comparing that against the maximum ratios allowed for the particular loan program. For more information about how lenders assess income, see the "Analyzing Employment & Income" article in the "About Loan Processing" section.
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