NJ MLS Search - New Jersey Shore Homes for Sale

Buyer's Tip - #11

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Debt-to-Income Ratios and Car Payments

When determining your ability to qualify for a mortgage, a lender looks at what is called your "debt-to-income" ratio. A debt-to-income ratio is the percentage of your gross monthly income (before taxes) that you spend on debt. This will include your monthly housing costs, including principal, interest, taxes, insurance, and homeowner’s association fees, if any. It will also include your monthly consumer debt, including credit cards, student loans, installment debt, and….

…car payments.

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Great Jersey Shore Townships in Monmouth County and Ocean County include: Bay Head, Beach Haven, Seaside Heights, Point Pleasant, Point Pleasant Beach, Ocean Beach, Brick Township, Pine Beach, Seaside Park, Surf City, Atlantic Highlands, Fair Haven, Oceanport, Holmdel, Little Silver, Middletown, Monmouth Beach, Rumson, Lakewood, Manasquan, Toms River, Long Beach, Sea Grit, Sea Bright, Union Beach, Spring Lake, Ocean Grove, Belmar, and Allenhurst. Unlike those larger "mega' sites, we focus all our efforts specifically on New Jersey Real Estate, New Jersey Shore MLS listings, New Jersey Shore MLS search, New Jersey Real Estate Agent, Point Pleasant New Jersey Real Estate, Jersey Shore Real Estate, Jersey Shore Homes for Sale, Seaside Heights New Jersey Real Estate, and Bay Head New Jersey Real Estate.

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