Are you considering applying for a home mortgage? Whether it's a new house loan or you want to refinance an existing home loan, one of the most important qualification factors is the debt-to-income ratio (DTI). What is this ratio? How can you calculate yours? And what details should you know about it? Here are some answers to your burning questions.  What Is the Debt-to-Income Ratio? The debt-to-income ratio is a calculation that tells a lender how much debt you carry in relation to your income.

When your loved one is facing felony charges, you will certainly try your best to get them out. In most cases, you will be required to post bail as a condition for their release. And if you don't have the full amount, you can obtain the full amount by paying a portion of the bond amount to a licensed bondsman. If you're not sure this option is good for you, read on to learn how you can save money on bail bonds.

When you think about your church, your first thoughts likely go to the congregation, the sermons, and the guidance, not your finances, accounting, and records. If this is true, you're in good company. After all, your focus is on the people and delivering the message of your faith, not crunching the numbers and dealing with bills. That's why many church leaders opt for bookkeeping services. If you're considering this, you may have found that there are some virtual bookkeeping services as well.