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None. We are currently a small business we currently have a mortgage with Wells Fargo bank for the past several years. Our interest rate is at XXXX We have been trying to refinance our home with XXXX XXXXd a broker for the past year, using several lenders but have been unsuccessful..due to our debt to income ratio. Our credit score for my husband and I are both in the XXXX 's we have been paying our mortgage weekly for years we have very little debt. We did not stop manking any payments during covid pandemic. All we are trying to do is lower our monthly payment and take advantage of the low intetrest rates. Thata it! Bu because we are a small business and on paper it shows our bebt to income does not qualify us. Its so frustrating to see all.these programs out there stating they can help u