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What compensating factors would you be looking for in this loan scenario: Couple on fixed income Very high DTI Seeking to refinance their home and

What compensating factors would you be looking for in this loan scenario:

Couple on fixed income
Very high DTI
Seeking to refinance their home and consolidate $30,000 in outstanding consumer debt
Credit scores are just below average
House is in somewhat need of repairs

You want to make this loan for this couple. They have been customers at your institution for years and have been living in this house for over 30 years. Their first mortgage is at your institution now.

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