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What income is used for debt ratio calculations

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This is a discussion on What income is used for debt ratio calculations within the Chase Mortgage - Tell Us Your Chase Story forums, part of the Stop Foreclosure and Tell Us Your Story category; I have been searching post for answers to the following questions, but I have not had any luck. I would ...

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07-02-2009, 08:51 AM	#1 (permalink)
boomer01 Member Join Date: Jun 2009 Posts: 6 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	What income is used for debt ratio calculations I have been searching post for answers to the following questions, but I have not had any luck. I would appreciate any help anyone can give. (1) What income does Chase look at for their debt to income ratios- monthly gross or net/take home pay? (2) How are non-guaranteed annual bonuses factored into the calculations? (received in 2007 & 2008, but will not have in 2009) (3) How is variable, commission based part-time income viewed? If I could count on all of the above I might be able to survive, but the only thing that I have right now is my regular pay and a once in a while commission check from my part-time job. Thanks for the help.