angiemcp2 asked:


My credit score is average but not bad. I’m having a hard time trying to refinance my ARM’s into fixed rate mortgages because my debt to income ratio is high. Are there any serious lenders that specialize in these situations?

JAIME

5 Responses to “I need to refinance my 2 homes, but I have a high debt to income ratio. Are there any serious lenders to help?”

1. kelly on October 4th, 2008 2:38 pm

   COLEMAN

   not this day and time

2. ♥ A Bit Of Mellie ♥ on October 5th, 2008 9:30 am

   DINO

   Go to a mortgage broker. They deal with B lenders for specifically this dilema. They are fee and can get you what you need

3. wisegirl74 on October 6th, 2008 6:50 pm

   XAVIER

   I will suggest you to sell your big ticket items, Houses and Cars get a $2K car to move around and pay off the debt. Sorry you are in this situation, get the book The Total Money Makeover, by Dave Ramsey, he will help you get out of debt and build wealth also his radio show (you can listen online) will help a lot. I actually suggest you to call him. He changed my life, and my finances, now, I’m debt free and about to buy a house.

4. Blaubart on October 8th, 2008 6:31 pm

   ED

   I think you’re looking for a hobby lender. “Serious” lenders make decisions based on your debt to income ratio.

5. cyndy b on October 10th, 2008 7:37 am

   CONRAD

   Hello my name is cyndy, my little advice is that you go to a bank in your area to request for the loan and that is if you have a collateral, but if you want loan from those that give out unsecured loan without a collateral i know of someone that gives out unsecured loans, though he is the only one i have tried for now so i don’t really know if his interest rate is the lowest, here is their contact information if you want to contact them. (kingstonloaninvestment@gmail.com)
   i am sure they can be of help to you.
   Good Luck

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