Zillow Advice RSS: Question-Discussion-Guide,Mortgage,Sioux Falls- SD http://www.zillow.com/advice/Sioux-Falls-SD/mortgage/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Frustrated with Banks about high DTI http://www.zillow.com/advice-thread/Frustrated-with-Banks-about-high-DTI/537533/ I have been trying to refinance my home since I lost my job two years ago...My current loan is a 30 year fixed rate of 5.5% with the USDA Rural Development.&nbsp; I have about a 75% LTV, credit score of 804 and have never been late on my house payments.&nbsp; I currently have a DTI around 50% and Wells Fargo doesn't seem to want to deal with me or help me out.&nbsp; I have called a few banks about refinancing under the USDA Rural Devopment refinance program, but there are a lot more fees so that doesn't seem to benefit me any.&nbsp; What can I do? What type of bank is going to help someone with a 50% DTI?&nbsp; There is absolutely no way I will ever be able to lower my&nbsp;DTI to 36% as I see&nbsp;most banks require...That is insane on a one person income. &nbsp;I lost my job two years so I'm struggling, but I still make payments on time.&nbsp; I just need a lower monthly mortgage payment.&nbsp; I also can't do any loan modifications such as Harp or Hamp as they don't work with a USDA loan.&nbsp; Any suggestions?<br \><br \>8 replies Tue, 22 Apr 2014 21:02:00 GMT http://www.zillow.com/advice-thread/Frustrated-with-Banks-about-high-DTI/537533/ 2014-04-22T21:02:00Z In SD can a Native American use a sec 184 loan to buy a home off of Indian land? http://www.zillow.com/advice-thread/In-SD-can-a-Native-American-use-a-sec-184-loan-to-buy-a-home-off-of-Indian-land/530832/ In SD can a Native American use a sec 184 loan to buy a home off of Indian land? The tribe we belong to says fee simple after the name of the tribe. He belongs to the Lower Brule tribe in SD.<br \><br \>0 replies Tue, 04 Mar 2014 03:44:00 GMT http://www.zillow.com/advice-thread/In-SD-can-a-Native-American-use-a-sec-184-loan-to-buy-a-home-off-of-Indian-land/530832/ 2014-03-04T03:44:00Z What can I do to get more (or better) quotes for my loan request ZR-LVMDDTH? http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-LVMDDTH/506955/ 1 reply Wed, 14 Aug 2013 23:29:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-LVMDDTH/506955/ 2013-08-14T23:29:00Z I have submitted nearly three dozen quotes without any response, are there any tricks or tips? http://www.zillow.com/advice-thread/I-have-submitted-nearly-three-dozen-quotes-without-any-response-are-there-any-tricks-or-tips/282205/ 3 replies Fri, 25 Sep 2009 13:37:00 GMT http://www.zillow.com/advice-thread/I-have-submitted-nearly-three-dozen-quotes-without-any-response-are-there-any-tricks-or-tips/282205/ 2009-09-25T13:37:00Z