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Why Pre-Approval Shrank
·Real Estate
Why Your Mortgage Pre-Approval Shrank: DTI Math You Can Run with AI
Your pre-approval was fine three months ago and now the number dropped. The usual suspects: a rate that crept from 6.4% to 6.49%, a new car payment, and the 28/36 DTI rule doing exactly what it was built to do. Here is the math lenders run, plus a copy-paste AI prompt that runs it for you in five minutes.