u/Remarkable-Camera-56

For getting a mortgage what is better lower DTI or a higher savings?

Basically, we have 1400 for a personal loan (66k total) every month, $394 in car, $23 minimum in student loans and about 125K in savings.

We were advised to pay off the personal loan to reduce DTI. Income about 12k a month on paper.

FICO 770

Please advise!