our fha loan was denied looking for a second opinionmy husband is self employed, in 2010 income 55k in 2011 is 58k, in 2011 he was getting most income from paychecks/payroll 45k and 13k from bisiness, this year 2012 he is 20k on his payroll year to date so far he is planning to pay himself 80k for 2012 mostly will be from business icome but because we cant file taxes yet for 2012 our loan was suspended, now my question why dont they look at 2010 year he paid himself there half paychecks 27k and 28 from net income from business, so UW had to minus 18 k for the current year and that kind of brings DTI issue, should we look for a second opinion? we also want to want to pay off all credit cards but not sure how much it would help with dti but defenetly would be a compensating factorDecember 04 2012 - 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.