Tom Slupske / Realtor / REMAX Results

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Move Without Selling First

Granite Bank's DTI Eliminator is designed to help homeowners purchase their next home before selling their current one. For qualified borrowers, the program may allow Granite Bank to exclude the existing mortgage payment from the buyer's debt-to-income (DTI) calculation.

This can be especially helpful for buyers whose current mortgage is preventing them from qualifying, those who want to submit a stronger non-contingent offer, or those looking for an alternative to a traditional bridge loan.

Granite Bank also uses a 60-day internal guideline to help protect buyers from having to make two housing payments for an extended period. If the departing home sells before the deadline, the agreement is released at no additional cost.

By removing a common financing obstacle, the DTI Eliminator creates more opportunities for buyers and helps make the transition into their next home smoother and more confident.