Variable Income DTI Pre-Check

Quickly estimate your debt to income ratio using monthly income and debts, including overtime or bonuses. This is not a full pre-approval but helps us see where you might stand.

Step 1: Monthly Income

Before taxes and deductions.
Average of overtime, bonuses, second job etc that might count.
New estimated mortgage payment including taxes and insurance.
Car payments, credit cards, personal loans, student loans etc.

How Bill Uses This

Lenders usually look at two numbers: the housing ratio (front end) and total debt ratio (back end). The exact limits depend on the loan program (FHA, Conventional, VA, USDA, and others) and your full profile.

This tool is an estimate only and does not approve or deny you. Bill will review your full situation, including variable income rules, and can often find options that a basic online system cannot.