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New Construction: #1 Answer to the Housing Shortage Mortgage Masters Group So what is a healthy debt-to-income ratio when applying for a home loan? The short answer is the lower the better, but definitely, no more than 43% or you may not even qualify for a loan at all. There are two DTIs to consider as well. The Front-End DTI: This such as mortgage payments and insurance.Glossary of Real Estate Industry Terms Mortgage Masters Group Real Estate Glossary There is a lot of real estate terminology used during the home buying and selling process and CENTURY 21 is here to help you understand those terms. We have created a glossary of the most commonly used real estate terms and their definitions in order.