[fnuri]

dcguy, i have had WF LM team review my case for 3 months as well with no tangible feedback and when i finally called the Exec # that i got from this forum, they said it actually was denied because of high deficit (-$2500). then i told them we actually have improved our finances by closing some credit card debts and modifying 2 of our 2nd mortgages, in adittion to some basic savings. they are sending me new forms to fill out with the new financial data. they never mentioned DTI, just end-of-the-month deificit so i am hoping that will suffice because my FE DTI is around 31% already and BE DTI is sitting at around 60%. btw, i was able to reduce my monthly deficit to around $350 as well. they can put me in +ive if they reduce my interest rate to 4.5% and extend the term to back to 30yrs. will keep you posted...