Probably the bank. We just lowered our requirements. If you would like to discuss your loan scenario in detail, I lend nationwide. You are welcome to call me at (Bart) 512 686 2750, 7 days a week.

Does not sound right to me. You can call our New Orleans office at 504 339 5626 or Baton Rouge at 225 300 8895.

There are many banks actually loosening their reins right now. You should not have a problem qualifying with any ratio below 45% with most lenders, especially with credit in the 700's. Take some time to talk to some other loan officers from other banks or brokerages to see what all your options are.