Definitions for

**"Debt-to-income-Ratio"**he ratio,expressed as a percentage, which result when a borrower's monthly payment obligation on long term debts is divided by his or her net effective income (FHA/VA Loans) or gross monthly income (Conventional Loan ) . See housing expenses to income ratio.

The ratio of monthly debt payments to monthly gross income, which is used to qualify a buyer for a mortgage.

Relationship of a borrower's monthly payment obligation on long term debts divided by gross monthly income, expressed as a percentage.