What is not included in the definition of "front-end debt-to-income ratio"?

The front-end debt-to-income ratio specifically looks at the monthly housing expenses relative to a borrower's gross monthly income. This ratio typically includes items like the principal and interest payments on the mortgage, property taxes, homeowners insurance, and any other housing-related costs, such as mortgage insurance.

Non-housing debts, on the other hand, do not factor into this ratio. These debts might include credit card payments, car loans, or student loans, which are considered when calculating the back-end debt-to-income ratio. The back-end ratio examines both housing and non-housing debt obligations, providing a broader view of a borrower's overall financial obligations. So, non-housing debts are explicitly excluded from the definition of the front-end debt-to-income ratio, making it rightly the correct answer.