| http://www.w3.org/ns/prov#value | - When DTI ratios are evaluated pursuant to a determination of whether a loan should be offered to a customer, the DTI ratio is calculated including the payments required to service the loan being requested and excluding any debt that would be paid off or discharged if the loan were approved and consummated. [0029] Referring now to FIG. 1, a preferred embodiment of the present invention directed to
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