When you apply for a Jacksonville Fl mortgage loan, the lender will use a standard debt-to-income ratio to determine your loan capabilities. The lenders will constrain your mortgage payment to 28 percent of your gross income. All of your debts, including your mortgage payment, should not exceed 36 percent of your total income. Some lenders are more lenient on the percentage of debt and income. Some lenders consider the payment as a percentage of the income. If your debt to income ratio is too high, there are some things you can do assist you in getting approved. Saving up more money for a more substantial down payment is one way to offset a larger amount of debt. Be sure you have a clear understanding of the debt-to-income ratio before speaking to a lender.