- Jim has an annual income of $250,000. - Jim is looking to buy a house with monthly_property taxes of $100 and monthly. homeowner's insurance of $125. He also has $258 in monthly student loan payments. - Mes Bank has a maximum front-end PTI limit of 28% and a maximum back-end PTI limit of 36%. Both limits must be satisfied. - Mes Bank is offering a fully amortizing 30 -year FRM at an annual rate of 8.5%, with monthly payments, compounded monthly. Mes Bank will allow Jim to spend at most \$ per month on mortgage payments (principal and interest)