Qualifying DTI Ratio

[Jacklin Jackson]

Please assist. I'd like to review my financials prior to setting up an appointment to obtain a pre-approval letter.

At this time my credit is 680 with and I have about $20k to invest.

Question:

Upon calculating my DTI I'm unsure of which debts would be considered mine. I'm married, my primary and rental property is in my name along with my student debt and a few credit cards.

My husband has all of our cars in his name and more credit cards.

We live in California (community property state).

I'd like to enter the loan on my own. Is there a loan that will only look at my debts and not my spouse? If so, my DTI is 46% is there any lender willing to go up to 46%?

Any advice is greatly appreciated.