When making an application for home financing, the debt considered cover anything from rent, mastercard minimums, and you will student loan repayments Exceptional: 800 so you’re able to 850 Decent: 740 so you’re able to 799 Good: 670 in order to 739 Fair: 580 so you’re able to 669 Poor: three hundred to 579 step three. Debt-to-Income Ratio Mortgage lenders should guarantee that people have enough earnings to protection almost