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April Auto Credit offers an auto payment reduction program specifically designed to meet the needs of home mortgage applicants who are unable to obtain the home loan they desire as a result of one or more auto payments, contributing to higher than acceptable debt to income ratios. Our program reduces a borrower’s debt to income ratios by lowering their auto payment, up to 50% or DTI ratios by as much as 5%. Borrowers will qualify easier for the home loan they want without having to use valuable cash reserves to pay off or pay down their auto. In many cases, lowering an auto payment will allow a borrower to qualify for a fixed rate mortgage instead of an adjustable rate loan.