Brian's Blog


What is the max DTI with a Freddie Mac Loan with QM?

What is the max DTI with a Freddie Mac Loan with QM?

Much has been written about how QM will result in more credit denials for Home Buyers due to new Federally Mandated restrictions regarding Mortgage Loans.    QM stands for Qualified Mortgages, a definition made in the Dodd-Frank legislation.   It went into effect in Tandem with ATR,   ATR stands for Ability to Repay.   This basically codified how and what lenders must verify, document and consider when qualifying borrowers for Freddie Mac Loans under QM/ ATR.  Freddie Mac is the common name for FHLMC, or the Federal Home Loan Mortgage Corporation.  

Fortunately,  the legislation gave the "agencies" such as Freddie Mac up to 7 years to come up with their own QM rules.    So the quick answer is that the Max DTI (Debt to Income Ratio) for Freddie Mac continues to be 45% for qualified Borrowers.   

Under QM,   Freddie Mac loans are available up to $417K up to 95% Loan to Value.  

The real point to this post is that you must work with a Loan Professional that knows the guidelines and rules so that you can get the right loan for the home you want.   Calll the Loan Pros at VanDyk Mortgage at 866-900-2342 direct or apply online at  

We service homebuyers in CA, GA, IN, MA, MI, VA, WA and WY.   


We proudly offer a full array of Government Conventional, and Jumbo loan Options including FHAVAUSDAFHA JumboVA Jumbo, VA Refinance, Conventional, JumboVA Condo loans,   FHA 2-4 Unit LoansVA 2-4 Unit Loans, FHA 203K Rehab Loans,  5% down Conventional loans Conventional Condo's OK to 95%,  95% conventional purchase with ZERO Monthly PMI, and more.  

Veterans:  We are able to help Veterans with a new home purchase with a VA Loan or VA Jumbo Loan as soon as 2 years after Bankruptcy, Foreclosure, or Short Sale (even sooner if Short Sale involved no late payments).  Call Today - get back into homeownership!  


--> VA Loan Limits for 2019.  Learn More - Up to $726,525 with zero money down VA Jumbo Loan 


--> VA Loans over the County VA Loan Limit - yes, we allow this:   Read more detail on how to get a VA Loan Over your County VA Loan Limit here  VA Loans up to $1.5M!


--> Answers to Common VA Loan Questions - VA FAQ Series

We serve the entire state of California  including: Anaheim,  Antioch,  Bakersfield, Brentwood, Burbank,  Carlsbad,   Chula VistaCorona,  Coronado, Downtown San Diego, EncinitasEscondido, Fallbrook,  Fremont,  FresnoHermosa Beach, Huntington BeachIrvineLong BeachLos Angeles, Marina Del Rey,   Menifee, Monterey, MurrietaOakland, Oakley,  Oceanside,  Ontario,  Pasadena ,  Poway,   Rancho Cucamonga,  Redlands,   Riverside,   Sacramento,        San BernardinoSan DiegoSan FranciscoSan JoseSan MarcosSan MateoSanta Ana,  Santa Clarita,   Santa MonicaTemecula, Torrance, Ventura, Vista, and all other CA Cities and areas.


We now serve the entire state of Virginia including Virginia Beach, Norfolk, Chesapeake, Richmond, Newport News, Alexandria, Hampton, Roanoke, Portsmouth, Suffolk, and all other Virginia Cities, Towns and Counties. 


We also serve the entire state of  Washington including:  Auburn, Bellevue, Bellingham, Bonney Lake, Bothell, Bremerton, Des Moines, Edmonds, Everett, Federal Way, Ferndale, Issaquah, Kent, Kirkland, Lacey, Lake Stevens, Lynnwood, Mercer Island,  Mill Creek, Monroe,  Montlake Terrace, Mt Vernon, Mukilteo, Olympia, Puyallup, Redmond, Renton, Seatac, Seattle, Silver Lake, Snohomish, Spokane, Sumner, Tacoma, Tumwater, Vancouver, Wenatchee, Woodinville, Yakima and all other WA cities and towns. 


We also serve Alabama, Colorado, Georgia, Illinois, Indiana,  Massachusetts, Michigan, Mississippi,  Indiana, Tennessee, Texas, and Wyoming Homebuyers and Homeowners.  


VA Loan Limits 2019     FHA Loan Limits 2019     Conforming Loan Limits 2019

All information is subject to change without notice.

Licensing   Fair Lending  CCPA Privacy Policy  Privacy Policy    Complaints    

State of NY Disclosure    TX Disclosure    General Disclosure


Residential Mortgage Lender registered by the CA Department of Business Oversight

Georgia Residential Mortgage Licensee #39449

VanDyk Mortgage is a private company specializing in FHA & VA financing,  VanDyk Mortgage Corp is not a government agency. Corp 2449 Camelot Ct SE, Grand Rapids, MI 49546

copyright 2020 VanDyk Mortgage Corp


Branch address  310 Via Vera Cruz, ste 210 & 211, San Marcos, CA  92078  760-752-4480 direct

NMLS ID:  3035 - VanDyk Mortgage Corp   NMLS ID  220268  

Brian Skaar - Loan Originator / Branch Manager   


NY Disclosure:  Website authorization has not been approved by teh New York State Department of Financial Services.   Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site. 




Comment balloon 0 commentsBrian Skaar • December 30 2013 10:01PM
What is the max DTI with a Freddie Mac Loan with QM?
What is the max DTI with a Freddie Mac Loan with QM? Much has been written about how QM will result in more credit denials for Home Buyers due to new Federally Mandated restrictions regarding Mortgage Loans. QM stands for Qualified… more
2014 VA Loan Limits
2014 VA Loan Limits The VA has updated the VA Loan Limits for all Cities, Counties, and States as of 12-20-2013. Go here for 2014 California VA Loan Limits More info to follow on this blog soon. Each year, the VA resets each counties… more
2014 FHA Loan Limits for California
2014 FHA Loan Limits for California FHA has announced the 2014 FHA Loan Limits and max FHA Loan Amounts accross much of California will be lower in 2014. The FHA Loan Limits are based on a formula created back in 2009 for the HERA bill.. more