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Understood, so what are your current credit scores? It sounds like a bank overlay that if you have a credit score between 620 - 639 you debt to income ratios must be below 45%?
Agree, with wetdawgs, that this question should be asked to your loan officer, unless he/she does not know how to look tax returns for self employment. I know very loan processors that really know what they are doing.Is it an option for you to pay off all of your debt. Closing your accounts could affect your credit score, make sure you are able to close your loan prior to doing this.
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