My fiance and I were prequailfied for a USDA loan. We recently found out that our town may notbe included in a USDA eligible area as of March 27. Our Credit scores are 650-670. My fiance has only been at his current job for 1 year and it is heavily commission based. Before this, he was in another commission based job but made a significant amount less. If we can't get everything to be completed with the USDA loan in time (we are under contract for a house now) our DTI with the new house payment would be 53% with another kind of mortgage that requires PMI. We only have one credit card and one low car payment. Any suggestions?March 05 2013 - Fuquay Varina0YesReport 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.