Debt-to-income (DTI) ratio is the percentage of an individual’s monthly gross income that goes toward paying debt such as credit cards, car payments, and student loans. Most importantly, this equation plays a key role in the mortgage qualification process. Here are a few details on exactly what DTI is, and what it has to do […]
About Ernest Heredia
Ernest Heredia has been a veteran of the mortgage industry since 1989. Ernest takes pride in backing every transaction with a vast set of resources and best serves clients who value quality, performance and efficiency – including top Realtors, CPAs, attorneys and business managers.
Ernest delivers service excellence through a team approach thereby streamlining the loan process and offers expertise in every facet of the borrowing experience.
In addition to his internal team he also has an extensive network of professionals to service his clients. He is happy to introduce you to a Realtor in your area, CPAs, Financial Planners, Divorce Attorneys, Credit Repair Companies, Commercial Lenders and Appraisers.
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PERL Mortgage, Inc
Equal Housing Lender
Illinois Residential Mortgage Licensee.
2936 W. Belmont Ave.
Chicago, IL 60618
Toll Free: 1-888-202-7490