will any lender do a non owner occ. HARP refi in WV w/o looking at DTI. good credit. no missied payments.

You would have to look for a Fannie Mae direct lender with no overlays to Fannie Mae guidelines. We are a Fannie direct lender with zero overlays. I have seen approvals up to 65% DTI and unlimited loan to value ratios for any occupancy type. The only time I have seen where DTI is ignored completely is going back to the same services who already has your loan.

Talk with a mortgage broker. Chances may be likely they have a lender that does not have a DTI layover. If Fannie Mae's or Freddie Mac's automated underwriting system gives you an approval then it is up to you to find a lender that will accept a high DTI approval. A broker will be able to shop a large number of the nations top lenders to help you find a loan.

Unfortunately DTI is a factor. For the most part it isn't the lender that makes that requirement. Fannie Mae and Freddie Mac have their own internal automated underwriting system that you would need to get an approval through before any lender can take it. Some lenders do have restrictions to 45% but I have seen Fannie or Freddie approvals up to 55%. There are lenders that have no restrictions as long as you get the automated approval from Fannie or Freddie. That is the key.

Automated Approval is an acronym for the Automated Underwriting Systems of Fannie or Freddie. They each have their own systems. Depending on which agency backed your original loan, we upload your data into their respective systems, and their response is either Approved or Denied. There are a few responses that can be had in between, but Approve is all you care about. It's basically artificial intelligence for loan approvals. Either they like the scenario, or they don't. Substitute "they" for "it" if you like ;)

They will look at DTI but will go as high as 55% or 60% with approve eligible

The only way to know is to actually apply. You can do that without having to pay an application fee in most cases, but if the process moves ahead where an appraisal is needed, that is the point where you will need to pay for this report to be completed. There is a possibility that an appraisal waiver may be granted through the Automated Underwriting System, so it's worth taking the step to apply online and see what options there may be for your specific situation. Work with a Trusted and Knowledgeable Professional is my suggestion and then go from there! Good Luck!

Yes!! Get with one of those above that are licensed in WV and apply.

Possibly... If you are doing current lender to current lender, because they already have your risk gives you the best chance.

At the end of the day your true best shot would be to stay same servicer for the HARP process as sometimes when it's same servicer to same servicer they don't even use income documentation. If you want to go outside of your same servicer, as said below, ask a lender if they are a direct Fannie Lender with 0 overlays on HARP programs, and that will be your next best shot for automated approval with expanded debt ratios.

Your best shot it the current servicer if you have a DTI issue. I only lend in Florida!