If you have averaged 40,000 gross income over the last 2 years but this year work has been slow so you are on pace to only make about 34,000 what figure is used to calculate DTI? also if the paystubs you provided have you working full time as work picked up over the last four weeks so your monthly pay for the last month was 4,000 does this influence DTI? Just curious as I do not want my inlaws to apply for a HELOC if they have no chance to get approved since there are fees involved.
Thanks
Thanks