Lower My DTI is a specialized debt-to-income insurance solution that helps homebuyers qualify for their dream homes by effectively lowering their DTI ratios.
Here’s how we do it:
Start with the math. DTI compares a borrower’s monthly debt obligations with their income, along with their insurance premiums.
Find the savings. Lower My DTI’s proprietary platform generates quotes for home and auto insurance to identify potential savings.
Lower the premiums. Lower the DTI. When insurance costs go down, the borrower’s monthly obligations can drop, too.
Manage it all in one place. Agents and loan officers can submit, track, and bind quotes through a single portal. It adds value to the lending process without adding another system to manage.
Faster Approvals & Fewer Funerals for Dead Deals
A lower DTI signals what lenders want to see: a healthy balance between income and debt. For the professionals across the table, this debt-to-income insurance solution delivers:
Deals saved, not shelved.
When a file stalls because the ratio is a few points too high, lower home and auto premiums can move it back under the line.
Lower monthly payments for clients.
Money-saving insurance quotes cut a real line item in the monthly budget, freeing up room for the mortgage payment itself.
A clearer path through underwriting.
Lenders calculate DTI from monthly obligations. Reduce the premium before the file is reviewed, and the ratio objection never comes up.
One portal, full visibility.
Quotes, tracking, and reports are kept in one place.
Empowering Your Mortgage Process with Innovative Solutions
Loan Officers
Our platform helps loan officers keep deals on track by reducing clients’ DTI ratios with lower insurance premiums. It streamlines quote requests, making it easy to manage, track, and secure binding quotes in one place. This helps loan officers close more loans while boosting their clients' purchasing power.
Real Estate Agents
Our platform helps real estate agents close more deals by lowering clients’ DTI ratios, giving them the buying power to secure their dream homes. Agents can quickly access money-saving insurance quotes and helpful reports through an easy-to-use portal. This enhances the client experience, saves them money, and increases referral potential.
Home Buyers
We can help you qualify for a mortgage by lowering your debt-to-income ratio. A lower DTI shows a healthy balance between your income and debt, making it easier to buy the home you love. This platform helps you calculate and reduce your DTI, ensuring a smoother homebuying process and better mortgage terms.
Need help lowering a buyer's DTI for mortgage approval?
Lower the monthly costs lenders count. Your DTI compares monthly obligations to monthly income, and insurance premiums fall within that calculation. By reducing home and auto insurance costs, Lower My DTI shrinks your total monthly obligations and your ratio drops without a single debt being paid off early.
It's a platform that uses proprietary insurance technology to reduce DTI for homebuyers. It targets one specific, movable line item: insurance premiums. Learn more here.
Both. A lower DTI means better loan options and more buying power whether your client is purchasing a new home or refinancing an existing one. The math doesn't care which side of the transaction it's improving.
