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Question by Josh L: What is used to calculate the 31% for mortgage restructuring?
What is used to calculate the 31% for mortgage restructuring?
My actual mortgage payment is less than 31% of my monthly income, however, my mortgage plus escrow is greater than 31%. Which counts?
Best answer:
Answer by RED
Total monthly payment. It is 28% for mortgage, and 36% for total recurring expenditures (car, mortgage, insurance)… as a rule of thumb.
Know better? Leave your own answer in the comments!
