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What is the max DTI on a VA manual underwrite? Some lenders on an AUS file may be able to work with a DTI ratio up to 60 or 65 percent in some instances. But Manual Underwriting: An in-depth review of the borrower's credit history will be completed by the SAR Underwriter. The loan must meet VA credit standards perVA manual underwriting guidelines are designed to give an underwriter guidance and the guidelines for manually underwriting, and approving a loan make VA loans to all qualified veterans who apply. VA's underwriting standards are intended to provide guidelines for lenders' underwriters as well as VA's A lot of times when a Veteran has higher Debt to Income ratios, lower credit scores and or past credit charge off or collection accounts a Manual Underwrite is