How can we get approval?

We need to refinance out of a credit line type hard money loan that doesn't have any seasoning. We have been rejected numerous times due to high DTI because of unforeseen expenses that we put on our credit cards. We won't qualify using tax returns due to business losses and most of our income comes from pension and social security. What are our options at this point? FICO scores are over 680. by DavidG from Oxnard, California. Dec 14th 2022 Reply