I purchased a house in 2005. I was given an adjustable mortgage and told I would be able to refinance before the mortgage increased. Of course it wasn't that simple! Debt to income ratio ~which I knew NOTHING about came into play. Nobody ever mentioned that term. After contacting a few companies I went to USAA and was able to secure a fixed mortgage rate. I am so grateful that I did not fall victum to foreclosure like so many others did. Thank you USAA!