NY state Associate Broker
Keller Williams Landmark II
Are your clients buying a condo or a coop? Each coop sets there own criteria on DTI. Your client can get a mortgage commitment but that does not mean the coop will approve them. When ever I speak to a buyer looking to purchase a coop, I check with the coop for their criteria.
On a condo it is different. If the buyers' FICO are great then we are looking at 42% back end.