My husband and I have a high debt to income ratio from a business loss a few years back. We understand the rules - across the board - have recently changed but still need a mortgage asap. We are already in contract to buy in NYC.

Any advice about banks that allow higher ratios??

Or any tips to lower our percentage?

Many Thanks.

lisa daniels:

Or any tips to lower our percentage?

Make a larger down payment, payoff debts or refinance existing loans to a lower payment.  You might look at a 5/1 ARM to lower your monthly payment.