What factors are looked at for a joint loan? Does anyone know how the DTI willl figured between the two apps? I have high DTI (above 50%) because I have a rental home on me and my wife has low DTI maybe about 25% and both profiles have credit plus 710 across the board. We want a 20k loan and we are thinking Navy Federal where we do most of our business. Loan would be for home improvement purposes. Thanks for any replies! 