I currently have a 6.5% interest rate with gmac. I know thats not bad at all, but i need to get my dti ratio down for my mortgage and I'd like a lower payment. Any suggestions???

You could refinance for a longer term. You will end up paying more. But, you will lower your monthly payment.

agreed with keasy, check out some of the CU's cb'rs talk about all the time.

Might get low enough rate not need to extend term.

you can probably slash off 1-1.5% but your at a decent rate as is. Try e-loan or capital one.

Does E-Loan pull all 3?

e-loan farms you out to other lenders, so you'll get multiple pulls, depending on who they send you app to.