what is the back end ratio 
the back end ratio also known as the debt to income ratio is a ratio that indicates what portion of a person s monthly income goes toward paying debts total monthly debt includes expenses such as mortgage payments principal interest taxes and insurance credit card payments child support and other loan payments back end ratio total monthly debt expense gross monthly income x 100lenders use this ratio in conjunction with the front end ratio to approve mortgages the lower your back end ratio the lower risk you are 