This is the ratio that helps a lender understand the usage or breakdown of your income. For instance, if buyer A make 70,000 per year, is applying for a $1,500/m mortgage and only pays $500/m for a car, his DTI Ratio is ((500x12)+(1500x12))/70,000 = 28.6%. This is an ideal ratio. If buyer B makes $120,000 per year and is applying for the same mortgage but has $6,000 a month in reoccurring debt, his front‐end ratio is 75%. This DTI is too high according to current lender guidelines and would not qualify. Front End DTI is your mortgage divided by your income. Back End DTI is defined as the mortgage plus all of your monthly obligations divided by your income.
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Brian Decker, a serial entrepreneur, embarked on his journey in the mortgage industry in 2004 with a Business Finance degree from Biola University. He quickly rose through the ranks, becoming one of the Top 10 Loan Officers in the nation by 2011. Brian's journey continued as he held the leading loan officer position at two publicly traded mortgage firms. In 2019, he took the entrepreneurial plunge with the launch of Modern Lending, his own mortgage bank.
Brian's commitment to a transparent and ethical lending process earned him recognition as one of the Top 10 Influential Mortgage Professionals in the United States. Beyond mortgages, he co-founded SOAR Energy, an AI-powered energy efficiency company, alongside notable figures like Tarek El Moussa and Shelby Elias.
In the cryptocurrency realm, Brian's expertise has attracted over 50,000 eager learners, guiding many to grow their wealth significantly. His personal cryptocurrency account surged from $500,000 to an astounding $7,000,000 in just 18 months under his guidance.
As an astute investor, Brian owns a diverse portfolio spanning apartments, AirBnBs, long-term rentals, and a venture with Ryan Pineda at the renowned Zapotal Discovery Beach Club.
Today, Brian's mission is to inspire and assist others in building generational wealth through his podcast, masterclasses, and speaking engagements. He's a true exemplar of the entrepreneurial spirit, continuously innovating and enriching lives.
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