we put an offer on a house in Penetanguishene Ontario and were turned down for financing with a co signer because the debt to income ratio was to high. my husbands credit score is only 566 and is improving all the time but obviously is in rough shape. we do have a downpayment of up to 5% to put down and an income of 78k per year my husband alone. we really love this home and would hate to lose it if someone is willing to help or offer advice please e mail me or reply through here. my e mail address is [email protected]