Debt-to-income ratio (DTI) is one of the most important numbers in the home-buying process — and one of the least understood. In this episode of Keys & Gears, we break down how DTI really works, why lenders rely on it so heavily, and how it can stop a deal before it ever begins.

We explain what income actually counts on paper, how your monthly debt impacts buying power, and why checking your DTI early gives you options instead of surprises. If you’re thinking about buying a home in the next 6–12 months, this episode helps you assess whether your DTI is where it needs to be — and what to do if it’s not.

This is about planning early, understanding the numbers, and putting yourself in position to buy with confidence.

Most people think buying a home starts when they find the right house. It doesn’t. It starts with preparation understanding your credit, knowing what lenders look for, and getting clear on what “ready” actually means. In this episode, Bess Dickson & Mark Liesner walk through the pre-approval process and the financial groundwork that should happen long before you make an offer. If homeownership is on your horizon, this conversation helps you slow down, plan ahead, and move forward with confidence.

Confused about down payments? You’re not alone. This episode breaks down how down payments really work, how much you actually need, and the options buyers have today especially if you’re a first-time homebuyer. This is clear guidance to help you move forward with confidence.