At DM Autos & Consulting, with over 19 years of experience in the automotive and finance industry, we have designed a program that assists mortgage lenders in helping their customers realize their dream of owning their first, second or investment home by reducing their Debt-To-Income (DTI) ratio. We provide consulting and assistance with DTI reduction via one or more of the following: Refinancing auto debt to terms acceptable by your mortgage underwriter, transferring ownership of existing auto debt, consolidating multiple auto loans, modifying terms to reduce DTI ratio, providing proof of settlement for underwriting, and/or obtaining rapid re-score to increase your lending options.