A home equity line of credit is unlikely with a DTI above 43%. Lenders need confidence you have the financial capacity to pay your debt as agreed. This is particularly important with any home loan that uses the property to secure the loan, as is the case with a HELOC or home equity loan. If you stop making your monthly mortgage payment, HELOC payment, or home equity loan payment, the mortgage lender will forclose on your home, and you will be kicked out. In addition to being homeless, your credit score will plunge, making it extremely difficult to find a new place to rent. And you likely won’t qualify for another mortgage for a couple of years. That is why secured loans that leverage your home are difficult to qualify for with a high DTI — things can get real messy when borrowers default on home loans. We’ve reviewed several sources of loans for high debt-to-income ratio consumers. The loan matching and debt relief services in this article can help you obtain loans despite a high DTI ratio, either directly or through credit counseling.