When determining the maximum monthly payment to a mortgage, there are two ratlos that are considered; the housing ratio $($front$-$end ratio$)$ and the debt$-$to$-$Income ratio $($back$-$end ratio$).$ After performing the calculations needed to find the monthly payment based on the respective ratios, how do we determine the maximum monthly payment?

compare the values found to the LTV ratio

take the smaller of the two values found

take the average of the two values

take the larger of the two values found