I’m looking for a non-conforming lender in Indiana.  Not for a jumbo loan, but for a high debt to income ratio.  I am self employed (but a W-2 employee of my company) and even though I am making significantly more money this year than the previous year’s tax returns show, I can not get approved for the amount I want. With the new mortgage factored in I would have a DTI of 50% based upon previous years income.  I have a FICO score of 800 and have been in business for 11 years (never with a business loss).

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