You applied for a mortgage and got pre-approved, but the number was way lower than you expected. What happened? Most people don't realize lenders look at debt-to-income ratio more than your salary. That car payment, student loans, and credit card minimums all chip away at what you qualify for. A Mortgage Lender Katy TX will calculate how much of your monthly income goes to debt, and if it's over 43%, your buying power drops fast. The good news is pre-approval isn't set in stone. Paying down debt or finding Home Loans Katy TX with different qualifying criteria can change everything. Understanding the math behind the number matters more than the number itself. Susan Adams Valor Home Loans : https://www.google.com/maps?cid=5235098593169527665 Read the full story : https://socialytime.com/blogs/123856/Why-You-Got-Pre-Approved-for-Less-Than-You-Expected