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Announcement 20-0022: Maximum DTI for Credit Qualifying Loan Products

April 9, 2020


This temporary guidance is effective for all loans submitted on or after April 13, 2020.

Carrington Mortgage Services, LLC (CMS) is temporarily updating the debt to income (DTI) guidelines for all credit qualifying loan products. This includes FHA, VA and Conventional products for both Manual and AUS Underwritten loans.

As of the effective date and until further notice, the maximum DTI permitted is 55% for all credit qualifying loan products regardless of AUS approval.  Where maximum debt ratio limits are more conservative, standard guidelines still apply.

Please Note: This is temporary guidance only and CMS will not be updating the program guidelines. 


Please contact with any questions.

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Equal Housing Opportunity An Equal Housing Opportunity Lender. Copyright 2007 - 2024 . Carrington Mortgage Services, LLC headquartered at 1600 South Douglass Road, Suites 110 & 200-A, Anaheim, CA 92806. NMLS ID # 2600. Toll Free # 800-561-4567. All rights reserved. Restrictions may apply. All loans are subject to credit, underwriting and property approval guidelines. Nationwide Mortgage Licensing System (NMLS) Consumer Access Web Site:

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Government Agency Approval | FHA Non-Supervised Mortgage Approval #: 24751-0000-5 | VA Automatic Lender Approval #: 902324-00-00

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