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Posts: 155
Registered: ‎03-19-2011
Re: DTI appears high, but fiancé pays half of mortgage...
[ Edited ]

Yup, she'll need to co-sign, but other factors can still apply.


For example, I had 41% DTI and excellent credit when I bought my new car.  I am on the mortage of a house I no longer own (divorce).  I had no revolving debt so it was literally all of my debt.  The bank did not hesitate to give me $20k at 3.41%.  


It just depends on the full picture.

FICO Score 8 (12/29/15)
Equifax - 852
TransUnion - 852
Experian - 847