http://www.trulia.com/voices/Financing/how_do_I_get_my_monthly_payment_to_of_my_income_-92375Information to lower monthly mortgage payment to 31% of my incomeen-ushttp://www.trulia.com/voices/profile/Real_Estate_Pro-Grand_Rapids_MI-672359/http://www.trulia.com/voices/profile/Real_Estate_Pro-Grand_Rapids_MI-672359/Hi Bryant, The value of your mortgage and the amount of money you make dictate how you are going to achieve this goal. Re-financing at a low interest rate is going to be your best bet, call your loan officer or your local bank that you have accounts and check your options! Good luck and there are always great options available with lending!Fri, 27 Feb 2009 11:37:56 -0800http://www.trulia.com/voices/profile/Other-St_Petersburg_FL-565881/http://www.trulia.com/voices/profile/Other-St_Petersburg_FL-565881/If you are purchasing a home the housing expense ratio is not carved in stone it can vary depending on situations. You mortgage broker should work the numbers with you. There are a lot of factors when getting a loan. David Chamberlain www.floridadreamloans.com http://www.floridadreamloans.com/LoanModificationsFri, 27 Feb 2009 09:09:52 -0800http://www.trulia.com/voices/profile/Real_Estate_Pro-Irvine_CA-629566/http://www.trulia.com/voices/profile/Real_Estate_Pro-Irvine_CA-629566/Refinance for a lower rate. I am a mortgage broker. If I can be of service, please let me know! Martin Smith Precision Funding 877-238-6324 Ext 704 513-536-7184 877-238-6324 FAX MSmith@PrecisionFundingUSA.com http://www.PrecisionFundingUSA.comWed, 25 Feb 2009 05:47:37 -0800