Down payment question...
Well, the question is do you claim $90k after write offs on your taxes? Sometimes, people actually claim less income and if you are under $78k, there are down payment and closing cost assistance programs we can work with. If you don't qualify for those, you can go VA if you are a veteran or USDA if you find a...

If I have 7 payments left on my car will that count towards my DTI?
We have the ability to do that type of loan not counting that installment account against you. That is a Freddie Mac only program, Lenders that use Fannie only will most likely not be able to do that program because it will be on a case by case basis, we can however. I am Joe and have more than 20 years...

VA Loans Fort Worth TX
We do VA loans in all states and do not charge the origination, underwriting and processing most charge.

what is minimum credit score to refinance?
That's a great but long question, this depends on your loan type etc. For example, we can go low as 560 on FHA and low as 620 on Conventional but then you have VA and USDA. Private message me the details.