Answer:
Why would you not? With the repeal of Appendix Q - ATR is up to the lender which you have to be able to defend.
Wage Garnishment or 401K Loan Expense (DTI)
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Question:
When evaluating a loan application, should a wage garnishment or 401K loan expense (each evident from a paystub) be included as a debt and calculated into the overall debt ratio (DTI)?
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