Hard time getting refinance with cash outLoan scenerio.House appraised at 280,000,i owe 183,000,credit score 700,dti is high due to credit cards(80%).annual income 30,000.Co borrower 200,000 annual income,760 credit score, 60% dti.Im trying to get cash out to payoff cc.Current bank refuses to give me cash out but willing to refi current balance.Makes no sense cause if they gave me cash my dti would drop significantly.Do i have any options?October 28 2012 - Maywood00YesReport 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.