Dear John, Homepath loans are very ratio conscious, No you don;t have any room to go above 45% DTI, but how are you counting the income , maybe there is some room there. I would also suggest that you should have the lender run the automated approval as FNMA homepath loans , there are a lot of nuances on these loans and just becuase you have high scores does not mean you wil get an approval > i am not trying to scare you but rather prepare you . We are one of the biggest lenders for FNMA homepath loans in the country. Please feel free to reach out to me if you have any further questions.
http://www.ridhiraheja.com or at 630-660-6376.