Dina Eiboghdady talked about the tougher debt restrictions on mortgages proposed by federal regulators including credit cards, auto loans and student loans. The measure would also limit the mortgage payment itself to no more than 28 percent of a borrower’s gross monthly income. The debt restrictions are on top of other conditions, including a requirement that borrowers pony up a 20 percent down payment to qualify for the cheapest mortgages. She also responded to telephone calls and electronic communications.