In this module, students will learn the mathematics needed to understand qualifying for a mortgage. They will first be introduced to the Loan to Value Ratio, and why it is essential to understand the type of mortgage you will be looking at for your client. They will then be introduced to the Gross Debt Service Ratio (GDS) and the Total Debt Service Ratio (TDS), and understand the differences between each. Finally, they will understand the typical requirements on each of these ratios and why they are so important to lenders.