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IN FHA's debt-to-income ratio/guidelines, would a loan against our retirement account count as a monthly debt? We took out the loan last year and pay it back monthly (with a good interest rate paid to ourselves). It was 50 percent of the account (which has rebounded and gone up since last year), and if we stopped making payments (which we don't plan to do), we would forfeit the amount still owed from the remainder of the account. Is this a debt, since we borrowed from ourselves?
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