Don’t Miss These 3 Ways to Boost Your USDA Loan Purchasing Power!

3 Proven Ways to Lower Your USDA Debt-to-Income Ratios and Increase Your Qualifying Sales Price!

Realtors and Homebuyers know how frustrating it can be when the loan qualification is for less than the home they hoped for. In cases where this is due to a higher USDA Debt-to-Income Ratio, there are proven strategies to address the issue — but most lenders simply don’t have the in-depth understanding needed to guide clients through improving it.

At Metroplex Mortgage Services, we specialize in USDA loans and know the strategies that can help you turn a “not enough” approval into a “dream home” purchase. By understanding these three ways to lower USDA Debt-to-Income Ratios, Realtors can help your buyers qualify for more — and potentially increase the sales price they can afford.

Download the Free USDA Blueprint for Success

This guide breaks down the USDA loan process from start to finish — perfect for homebuyers trying to understand their next steps or Realtors who want a quick USDA refresher.

Click here to download your free copy

Why USDA Debt-to-Income Ratios Matter

USDA Debt-to-Income Ratios (DTI) are a percentage of a homebuyer’s gross monthly income that goes toward all monthly obligations — including the new mortgage payment (principal, interest, taxes, and insurance), car loans, credit cards, and more.

When we can effectively reduce monthly debts, we improve your buyer’s DTI, which can directly increase their qualifying power.

1. Installment Accounts

• USDA Debt-to-Income Ratios include fixed monthly debts such as auto or personal loans in DTI.
• If 10 months or less remain on an installment loan and the payment is less than 5% of your qualifying income, these monthly debts can be excluded from your USDA Debt-to-Income Ratios.
• Even if there’s more than 10 months left, strategically paying down the balance so that there are 10 payments or less can help buyers qualify for a higher-priced home.

2. Co-Signed Obligations (Co-Signed Loans)

• Co-signed debts refer to debts where the applicant may be a co-borrower, joint obligor, co-signer, guarantor, etc.
• Co-Signed Loans count against USDA Debt-to-Income Ratios unless they can show proof that the other party to the debt has successfully made all payments for the last 12 months prior to loan application.
• Acceptable proof includes canceled checks, bank statements, or money order receipts.
• If late payments are reported in the past year, the debt must stay in the DTI — so timing and clean payment history matter here.

3. Business Debts

• Business-related loans (e.g., car or truck used for work) that report on the applicant’s personal credit report can be excluded from USDA Debt-to-Income Ratios.
• This will require that the account has been paid from a business account for the previous 12 months.
• Acceptable evidence includes canceled checks or bank statements.

Advantages for Homebuyers and Realtors – Making the most of your USDA Loan Approval!

By understanding and spotting these opportunities, both homebuyers and Realtors can benefit:

For Homebuyers:

• Increase purchasing power without exceeding a comfortable budget.
• Unlock access to more home options by improving qualifying ability.
• Gain confidence in the buying process with expert USDA guidance.

For Realtors:

• Close faster by setting realistic expectations early in the process.
• Expand your client base by helping more buyers qualify.
• Stand out as a trusted professional who partners with USDA loan experts.

Why Homebuyers and Realtors Trust Metroplex Mortgage Services!

At Metroplex, we don’t just understand USDA loans — we’re recognized for being one of the best in the business.

• #1 USDA Approved Lender in Florida for 2017, 2023, 2024, and 2025
• Nationally recognized for USDA lending expertise
• In-house underwriting means faster approvals and closings
• USDA closings in under 30 days — consistently!

Let’s Team Up

If you have a buyer who’s been told “no” or “not enough,” we can help. Just call, text, or email us to review the scenario and let us show you the **”**Metroplex” difference!

📱 Call/Text: 863-593-2001
📞 800-806-9836 Ext. 280
📧 SeanS@MPLX.org

P.S. Don’t forget to download our USDA Blueprint for Success — your step-by-step guide to navigating the USDA loan process with confidence. Get it here