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Debt Management
Your debt-to-income ratio matters more than you think
When you're ready to buy or refinance, lenders look at how much you owe relative to what you earn. It's called your debt-to-income ratio, and it affects whether you qualify, what rate you get, and how much you can borrow. The good news: this is one number you can actually improve before applying. Paying down credit cards, auto loans, or student debt shrinks that ratio and strengthens your application. Even if you're not planning to borrow soon, keeping your debts low gives you more flexibility when opportunity strikes. I'd love to walk you through what yours looks like and what moves might help. Reach out anytime—I'm happy to give you a quick sense of where you stand.
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