Does contributing more to 401k negatively impact my lendability

[Aaron May]

Does maxing out my 401k negatively impact my ability to borrow from the bank? I.E does it reduce my income and therefore throw off my debt to income ratio or does the bank give me credit for those funds knowing I could theoretically just reduce contributions if needed during the loan period ? I’m able to save more right now, but have a major real estate purchase coming in Q1 of 2022.. so I need to be cognizant that I’m keeping my debt to income ratio in line so I have no issues with financing when the time comes..