I have two examples of questions that I have no idea how to do. can you please do both and write out what and why you did this?

The Perez family is applying for a 30-year conventional mortgage loan at 9.75% a interest. Based upon the front-end ratio, what is the maximum loan the family can afford? Their financial situation is as follows: nnual Amount Frequency Time Remaining Your Answer: ltem Familly Income 70000 annual Car loan Student loans 240 monthly Boat loan 370monthly 400 monthly 30 months 90 months 9 months Answer The Smith family is applying for a 30-year conventional mortgage I interest. Based upon the back-end ratio, what is the maximum loan the family can afford? Their financial situation is as follows: oan at 8.25% annual Amount Frequency Time Remaining Your Answer: Item Familly Income 75000 annual Car loan Student loans 300 monthly 60 months Boat loan 350 monthly 6 months 360 monthly 32 months