TRYING TO REFINANCE MY VA LOAN AND CASH OUT TO PAY DEBT OFFI live in AZ, that means that my wifes debt is taken into account when qualifying for the loan. I have had a VA appraisal done on my home and i would only need 85-90% LTV to make this work. What i am running into is the fact that my wife has student loans (2) that will be in repayment within a year of closing. Everything else works as i have already tried through Chase (never again) and had them shoot me down with that crappy reason the week of closing after i provided all conditions needed. Is there anyone out there that does not require for my wifes std loans to be deferred a year out in order to close? She is not on the loan now and will not be on the future one but AZ is a common law state so her debt gets taken into account.June 12 2014 - US00YesReport 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.