Tom and Gwen have an adjusted annual gross income of $111,480. Their monthly mortgage payment for the house they want would be $1,725. Their semi-annual property taxes would be $3,660, and the homeowner’s insurance premium would cost them $685 per year. They have a monthly $154 car payment, and their credit card monthly payment averages $2,021. What is the front end ratio?

What is the back end ratio?