What is Mortgage Debt to Income Ratio? In this episode of “It’s Not Rocket Science,” Don Carriker, the man behind IWantAGreatHomeLoan.com, will share with you what DTI or Debt to Income Ratio is and how you can figure yours out on your own. Many people are intimidated by these terms when looking for a mortgage, but Don breaks it down in plain English for you to easily understand. You no longer have to feel lost when your mortgage consultant says your DTI is to high. Know the facts and be prepared the next time you are looking for a home loan.