LEAVE REQUEST FORM/AUTHORIZATION - United States Navy
Chapter 4. Credit Underwriting. Overview. ... *Tax-free income may be “grossed up” for purposes of calculating the debt-to-income ratio only (not residual income). This is a tool that may be used to lower the debt ratio for veterans who clearly qualify for the loan. “Grossing up” involves adjusting the income upward to a pre-tax or ... ................
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