My comment here is based on a refinance with LoanDepot. It all comes down to DTI. Lenders simply want to know one thing: How will you pay them back? The answer truly lies in a low DTI ratio. So in essence, they WILL look for all areas where you have to cut back or get denied a mortgage--all other factors notwithstanding. Scores matter for rates, but getting aporoved truly comes down to that three letter acronym: DTI.