7 39% Fixed Rate Debentures Due 2006 $150,000,000 Freddie Mac-2025

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As a guideline, the monthly housing expense-to-income ratio should not be greater than 28% of the Borrowers stable monthly income. An exception can be made only with an offset documented in the Mortgage file.
While standards vary, most lenders prefer a DTI ratio below 35%-36%. Some mortgage lenders may allow up to 43%-45%, with loans insured by the Federal Housing Administration (FHA) allowing up to 50%. For more specific standards, you should consult your lender.
Maximum DTI Ratios For loan casefiles underwritten through DU, the maximum allowable DTI ratio is 50%.
As a cornerstone of U.S. home financing, Freddie Mac purchases a variety of fixed-rate mortgages. Our fixed-rate mortgage offerings leverage the power of a fixed interest rate for the life of the loan.
Debt-to-income ratio (DTI): Freddie Mac doesnt provide a maximum DTI requirement, though borrowers should aim for a DTI equal to or less than 50%. This is a general DTI guideline when qualifying for a mortgage. Property type: Owner-occupied primary residences are eligible for Home Possible financing.
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Debt-to-income ratio: Qualifying debt-to-income ratios are determined by Loan Product Advisor, Freddie Macs automated underwriting tool. This ratio can be as high as 45 percent for manually underwritten mortgages.
Freddie Macs Guarantee Freddie Mac uses the loans it buys to issue MBS that it guarantees for investors. Its guarantee is not backed by the government. The organization can stand behind its guarantees and fund its loan loss reserves due in part to the guarantee fees it charges banks.

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