Denied conventional loan because of college debt

[Aaron Port]

I was recently told that I don't qualify for a conventional loan because of my debt to income ratio due to college loans. I don't have an astronomical amount of debt and no other debt besides my wife's car payment and our her college loans.  I can get the money for the down payment of 20%, but I'm struggling on how to get the rest of the money when I am being denied for a loan. I know there are other more creative solutions, but I'm having a mental block and want to get things moving. Suggestions would be greatly appreciated, thanks!

[Don Gouge]

650 isn't a good fico score.