The allure of homeownership is strong. That perfect place beckons, promising stability and a slice of the American dream. But for many, a mountain of debt stands between them and that dream. Here's the thing: debt payoff and the housing market are intricately linked. Let's explore how focusing on one can pave the way for the other. Why Debt Can Derail Your Homeownership Dreams Debt-to-Income Ratio (DTI):  Lenders use DTI to assess your ability to repay a mortgage. High debt obligations (student loans, credit cards, etc.) inflate your DTI, making you a less attractive borrower and potentially disqualifying you for favorable mortgage rates. Credit Score:  Debt management significantly impacts your credit score. Lenders rely on a good score (typically above 670) to offer competitive rates and loan terms. High debt levels and missed payments can significantly lower your score, making homeownership more expensive. Emergency Fund:  Unexpected expenses are a reality. A leaky roof or