Contractor Juan
ContractorForum Replies Created
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If your pond is deep enough Koi fish and other fish survive during the winter months.
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Can you own a mortgage broker company and get sponsored by another mortgage company for states I am not licensed in?
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Big Mike Robinson Obama is a big transgender.
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When applying for a mortgage, lenders typically look at your debt-to-income (DTI) ratio to assess your ability to manage mortgage payments along with your other debts. Your DTI ratio is calculated by dividing your total monthly debt payments by your gross monthly income. Including a car lease in your debt obligations can affect your DTI ratio in the following ways:
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Monthly Lease Payment: The monthly payment for your car lease will be counted as part of your monthly debt obligations. This adds to your total debt when calculating your DTI ratio. A higher monthly lease payment means a higher monthly debt obligation, which can increase your DTI ratio.
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Lease Term: The length of the lease term can also affect your DTI ratio. A longer lease term usually means lower monthly payments but may also extend the period over which your debt is calculated. Shorter lease terms typically result in higher monthly payments but may have less impact on your DTI ratio since the debt is spread over a shorter time period.
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Lease Buyout: If you’re considering buying out the lease at the end of the term, lenders may treat the remaining balance as debt, potentially impacting your DTI ratio. However, if the buyout amount is reasonable and you have enough assets to cover it, lenders might not view it as negatively.
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Credit Score Impact: Taking on a car lease can also affect your credit score, which indirectly impacts your ability to qualify for a mortgage and the terms you receive. A higher credit score generally leads to better mortgage rates and terms.
When applying for a mortgage, it’s essential to consider how adding a car lease will affect your DTI ratio and overall financial picture. A higher DTI ratio might limit the size of the mortgage you qualify for or affect the interest rate you receive. It’s advisable to consult with a financial advisor or mortgage specialist to understand the specific implications for your situation and to explore strategies to improve your financial position if necessary.
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Here we go again. We have a first time thing for President of the United States. Started with Bill Clinton
The first UNITED STATES PRESIDENT who got a blow job in the White House from an intern. Barack Obama is the first gay President married to Big Mike, a transgender first Lady and also the first black president, Cheatin Lying Joe Biden is the first President of the United States with Dementia and a pedophile with a cokehead son and a imitation doctor wife. Dr. Jill Biden is not a real doctor. A doctor who got her doctorate from an online university. The more I think about it the better Mexico looks. I am thinking about heading south to the Mexico border and crossing the U.S. and Mexico border back to my home country Mexico. These gringos are crazy and Mexico sounds great and what was I thinking.
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Hilarious 😂 😃 😄
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Is it possible to get homeowner insurance in Fort Myers Florida
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Global warming is nothing but a money making scam conspiracy theory of the Democrats and a form of fear tactics. Why those who preach and swear by Global Warming voicing green energy have multi million dollar jets, helicopters, yachts, and exotic cars. Bill Gates, Nancy Pelosi, Paul Pelosi, Barack Obama, George Soros, John Kerry,AL Gore, and thousands of others.
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I have been following this story for years but still cannot make heads or tail on this. I agree with your thoughts and I feel the same way.