Asked by Gregory, • Sat Jan 26, 2013
My wife and I are looking to upsize. I am a growing chiropractic business and she is an event planner. Our combined income is around 60,000 with mine growing as the practice does. My question is this. We are looking to get a mortgage for around 180 to 190,000. We can certainly afford these payments. The problem is our VIEWED DTI ratio. Lenders are including my student loans. I am enrolled in a gov't program called IBR which makes my loan payment directly based on my income. It has currently been ) dollars for the past 3 years. But all the lenders include it still which nails us on our DTI ratio. Anyone have suggestions for this? As I said the payment would be easy. I mean I just finished paying off my business loan of 60,000 over 5 years and that was including our mortgage. Private lender? Or would someone be willing to work with us. Thanks so much!!
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