Derek and Natasha have applied for a home equity loan. They earn $8,000 gross a month. The loan is for $45,000 at a fixed rate of 4.75% for 15 years. They currently have a first mortgage of $2,150 a month that will stay in place. Their current monthly expenses include two car loans for $635 a month, 2 credit cards of $400 a month and one student loan for $125 a month. Calculate their HTI and DTI in this loan scenario. If the credit unions max DTI for home equity loans is 43%, do they qualify for this loan? If not, what other options should they consider?