
The Bill Gabbard Group
The Bill Gabbard Group has the experience, knowledge and imagination to get the desired results for their clients. Bill Gabbard Group has over 50 years of combined real estate experience. They are committed to staying informed of the daily changing market so that they remain the local experts. Bill Gabbard Group creatively stays ahead of these market trends allowing them to properly market homes and help buyers qualify to purchase them.
Hire The Bill Gabbard Group to protect your most valuable asset. Contact Bill Gabbard of The Bill Gabbard Group at 513-401-5188 for all of your residential and commercial real estate needs.
Honesty...Integrity...Commitment
Communities Served
Featured Properties
Recent Sales

$320,000
4
4
Fairfield Township, OH
beds
baths

$40,000
4
2
New Miami, OH
beds
baths

$180,000
3
2
Whitewater Township, OH
beds
baths

$325,000
3
3
Liberty Township, OH
beds
baths

Debt-to-income Ratios
Debt-to-income Ratios
When you’re ready to buy a house, a lot of jargon is thrown around. One term you’ll hear a lot is debt-to-income ratios. If you’re not a math wizard, such lingo can sound intimidating, but it doesn’t need to. Debt-to-income ratios are simple to figure and use to your advantage, even giving you the opportunity to figure out how much house you can afford before you even set out to look.
The debt-to-income ratio is, simply, the way that mortgage lenders decide how much money you can comfortably afford to borrow. It is the percentage of your monthly gross income (before taxes) that is used to pay your monthly debts (not your monthly living expenses). Two calculat…

The Bill Gabbard Group
Keller Williams Realty Associate Partners- M:
- 513-616-3835
- O:
- 513-401-5188