Richard Richtmyer

Front-end DTI: This includes just your housing-related debts (what your expected new mortgage payment, taxes, insurance, etc. would be) compared to your monthly income.
Back-end DTI: This is used more widely by lenders because it takes into account all your debts .

Experience

Richard Richtmyer is a journalist with more than two decades of experience. He’s covered student loans, capital markets, investing, real estate, technology, business, government, and politics.

Richard has worked with news organizations ranging from the Associated Press and Bloomberg to CNN and the Anchorage Daily News. Outside of editing and writing, Richard enjoys activities including long-distance motorcycle touring, strenuous mountain hiking and practicing old-fashioned strength exercises to stay fit.

Education

Richard has a bachelor's in journalism from SUNY New Paltz