Current debt to income ratio?

[Nevergrow'nup]

Does anyone know what the banks use? Is it gross or net?
Thanks

 

[jedijohn]

Does anyone know what the banks use? Is it gross or net?
Thanks

They can use either. It just depends on the banks policies.

 

[Nevergrow'nup]

Is it 28 still or is it changed?

 

[jedijohn]

Is it 28 still or is it changed?

Ask the bank(s) you want to use. Every bank has their own policy; there are no standard rules across the industry.