Changes that can be made to impact DTI
Under 'Liabilities' you can choose debts to pay off with the proceeds of the loan. Click on the individual liability and update 'Handling' To Be Satisfied With Loan Proceeds.
Under Short Application on the upper left, you can reduce the loan amount.
If you're working on an ARM HELOC, try switching to the Fixed HELOC as the ARM qualifies at 2 points higher than the note rate, while the Fixed HELOC qualifies at the note rate.
