Good credit and payment history, poor income ratiosMy wife and I have been looking to refinance to a lower interest rate (currently 6.5%) so we could lower our monthly payments. We are having a hard time finding a lender because our income has been reduced from when we got the original loan. We have good credit and an excellent payment history but I am now self employed and do not have the income yet to satisfy most lenders gross debt-to-income ratio. Are there any lenders out there that consider the fact that we have been making our payments with a high mortgage payment and should be able to make it easier with a lower monthly payment?August 23 2012 - Bel Air00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.