We are past 3 years from foreclosure. We were DU approved but the underwriter denied it. All I know at this point is due to high dti and credit. Is it possible to get it overturned? For the dti part it can be fixed due to raises for me and the wife plus we are looking at a house that is $20k less than what we submitted. For the credit part I am unsure of exact reason. Lo said uw said derogatory after. I looked at reports and only derogatory was accounts that we paid in full or settled for less. All over 2 years ago if I am correct. Help would be greatly appreciated.