Check out this great article about the Federal Housing Administration capping the debt-to-income ratio at 43%. Be sure to contact Ace Mortgage Loan Company for more information about the new regulations surrounding housing loans. You can read the article here. Basically the new FHA rules will make it so any borrower with a debt-to-income ration over 43% will not be able to secure a mortgage loan. Someone's debt-to-income ration is how much money a person spends on their debts per month compared to how much they make. If you spend half of what you make on your debts, then your ratio is 50%. If your debt to income ratio is 43%, it means you bring in more money then you pay for your debts. That's somehting that lenders look for. …