Profile picture for user6589512

I am at about 53% equity ratio. But I have a lot of cash in my and my equity in my home is greater t

I am at about 53% equity ratio. But I have a lot of cash in my account and my equity in my home is greater 50%. Is there anyone that can refinance my home. It seems my car payments take me over 50% debt ratio, but I could pay this off very easily. Would anyone refinance my loan without me having to pay down my car loan.
  • April 23 2013 - West Los Angeles
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Answers (9)

Profile picture for GMerino
What kind of loan do you currently have now?
  • April 23 2013
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Profile picture for CA Direct Lending
If you have a jumbo loan, we could possibly do your refinance at a 50% debt-to-income ratio with compensating factors.  Your low loan-to-value ratio is a good start.  An excellent credit history and a good amount of savings, stocks, investment and retirement account amounts go a long way. 
  • April 23 2013
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Good Morning,

We have very flexible underwriting guidelines when it comes to debt ratios.

Feel free to reach out to me for assistance.

Thanks!
  • April 24 2013
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Its possible with compensating factors which is sounds like you have.  I can do jumbo mortages nationwide.  Contact me if you are interested in my help.

  • April 26 2013
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Your DTI is everything. You're going to want to eleminate something as a payment. That or if you can refi the car to a much lower payment that is going to drop to where you can refi then do that. I did that before I refi'd my car but kept paying hte same amount. Then what I had to pay every month was lower and put me into a position to refi.
  • April 26 2013
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Profile picture for KayiaMyaRicharson
what that dont make no sense and im in 6th grade
  • November 20 2013
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Profile picture for CA Direct Lending
[inappropriate.  Please see Good Neighbor Policy for posting guidelines]
  • November 20 2013
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Profile picture for wetdawgs
Mr. Blindauer:   That post was totally inappropriate.   Please go to remedial "good customer interaction" training.

  • November 20 2013
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I would be happy to refer you to my loan officer, he can do almost anything!
  • December 20 2013
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