We have tried and tried to refinance but have a very high debt ratio---we have never missed a payment but NO one will help us--we have been turned down all the time----why won't anyone help us get a loan to refinance everything.....can you help???

Hello Marsha I would love to help you. I am not sure what the situation is that you are faced with, but you can go up to 85% Loan To Value, cashout on FHA or up to 80% Loan To Value on Conventional. You should check Fannie Mae and Freddie Mac. Google search, does Fannie Mae or Freddie Mac own my loan. If your Debt ratio is too high, how high is it? I would love to see how we can get you to be approved! I need to look at the whole picture you are faced with. Click my link and give me a call or email me. My name is Rich. I hope this helps! RC

I can approve loans with debt ratios up to 57%. Do you know what yours is?

Unfortunately most of the banks have the same guidelines since they all lend practically the same money. In your particular case I may have the right person I can refer you to. You can call me if all else fails: 213-739-4332.

Hi MarshaCouple of things I can recommend. We have a product called a 125% Loan to Value that we may be able to offer. Is your home worth more then the balance? Is your credit mid score over 640? Do you have enough equity in your home to get a Consolidation Mortage, pay off some of your debt to bring the debt ratio down. Please give me a call so I can verify some information with you and decide how to proceed. Fran Trzeciak, Sr. Loan Consultant, Top Flite Financial. 586-228-7220.

You have a couple different options. The first option is to call the lender to ask if you qualify for the governments HAMP program. Go to www.makinghomeaffordable.gov. This will lower your rate with no regard to income. As long as you have been on time, and the home fits some loan to value requirements, it will work. The other option is to do a refinance under the same above guidelines if your loan is owned by Fannie Mae or Freddie Mac. Contact me and I will be able to determine if that option is available.