how to improve front to back ratios for home purchase?I have a middle score of 641, a guaranteed income of 1498 a mo. and two open accounts for a total of $126.00 due each month-the front to back ratios are not helping me acquire a loan of $100k-would it help to ask for a lower loan amount -$75k?June 21 2011 - Springfield0YesReport 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.