Did your loan officer already tell you if the DTI worked in automated underwriting? That should not be an issue if your file is already in underwriting normally.
Debra Dodge email@example.com 402-312-9775 http://www.debradodge.com
National Residential Mortgage Center LaVista
Based on the information you gave, you should be fine so long as the DTI is 45% or less. Higher than that might cause the PMI company to reject your application.
Dennis W Clark
Freedom Lending, LLC
I tell you what I would call Larry Alexander of Great Plains Mortgage here in Omaha. he ones of the top brokers in the area and he has some lenders that can do loan the banks cannot. He deals with about 10 different lenders total. he will also get your loan closed quicker than a bank normally will. If you have any questions on the loan priocess or want to get a second opinion, call him at 402-502-3599 or myself at 402-699-9555.