Approval Chances?

[Anonymous]

You should be able to find an independent lender who will go to 50% DTI but that's as high as you will find in my experience without manual underwriting. If you need manual underwriting, you are going to have to be able to show a history of being able to save a good chunk with a higher than 50% DTI on FHA.

[ashjt2011]

I feel as if there is some confusion. I calculated the dti ratios as 19/31 at the max. It may actually be closer to 18/28, which is quite a bit lower then 31/43 but everyone seems to be telling me my ratios are high?