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Debt to Income Ratio

My husband and I have been working very hard to clean up our credit. We went to talk to a few lenders today and were told that because of our debt to income ratio, we can only be approved for $80,000. We still have a few things to clean up on our credit that we had somehow missed, but the biggest problem we are having is that the lenders wont consider his double time and over time at work. He has been on this job for a year and the overtime has not let up. The way everyone is calculating our income, it looks like he makes $30,000 less a year than he really does. I am a student, so I don't work outside the home. We have a few credit cards, but other than that the only things we pay each month are our cars. What can we do about this? One lender told us that in a another year they can count the income, but is this typical or would we be able to find a lender now? Please keep in mind that we were only hoping to pre-qualify for $100,000. His middle score is only a 625, so we may have better luck once it rises? Any advice would be appreciated, as today has been very frustrating. So far, no one has even asked us for a down payment, just trying for USDA loans.
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September 06 2013 - US
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No, the OT can't be counted unless you can show 2 years and then they will average it.

Questions for you:
What did they tell you your DTI is?
Can you come up with 3.5%?
What state are you in?
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September 06 2013
 
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