How a High Payment-to-Income Ratio Can Kill Your Mortgage Approval — And How We Can Help

When you're applying for a mortgage, your credit score and income are only part of the equation. One of the biggest deal-breakers for lenders? A high payment-to-income (PTI) ratio.

If your car loan or personal loan payments are too high compared to your monthly income, mortgage lenders may see you as too risky—even if you’re financially responsible.

But here’s the good news: we can help lower your PTI fast, and get you back on the path to homeownership.

What Is Payment-to-Income Ratio?

Your payment-to-income ratio (PTI) is the percentage of your monthly income that goes toward loan payments, especially your auto loan.

For example:

• You make $5,000/month

• Your car loan is $750/month→ Your PTI is 15%

That number may not sound outrageous, but many mortgage lenders want to see that number under 10%—sometimes even lower depending on your full debt-to-income (DTI) ratio.

Why High PTI Can Derail Your Mortgage Approval

Mortgage lenders look at the big picture: how much of your income is already spoken for before you even add a mortgage payment.

If you’re already paying:

• $750 for a car loan

• $300 for credit cards

• $400 for student loans

…it adds up quickly, and leaves little breathing room for a new mortgage.

A high PTI increases your total DTI, which is a major red flag. Even with good credit and a solid job, you can be denied for being “payment heavy.”

How We Help Lower Your PTI (Fast)

This is where we step in. Our service specializes in auto loan refinancing and equity optimization. In many cases, we can:

• ✅ Refinance your current auto loan to a lower monthly payment

• ✅ Extend the loan term for immediate PTI relief

• ✅ Use your car’s equity to consolidate other debts

• ✅ Eliminate unnecessary add-ons like overpriced warranties or GAP

• ✅ Structure your auto loan smarter so your mortgage DTI looks healthier

The result? Your monthly obligations drop—and so does your PTI ratio. That gives mortgage underwriters what they’re looking for: a safer profile.

Real-World Example

Before:

• Income: $5,000/month

• Car payment: $725/month

• PTI: 14.5%

After working with us:

• Refi drops payment to $450/month

• PTI drops to 9%

• ✅ Now qualifies for a $300,000 mortgage

This can be the difference between an approval and a denial—and it only takes a few days to see results.

Don’t Let Your Car Loan Hold You Back

You're not alone—many people with solid finances get blocked from mortgage approval simply because of one oversized payment.

But your dream home doesn’t have to wait.

👉 Let us help lower your PTI and make your mortgage approval a reality.Check your auto refi options in under 60 seconds — Start Here!!