Indianapolis Friendly REI Mortgage banker

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Hello all,

I've gone to a few banks in Indianapolis to try and qualify for a conventional loan, and have been repeatedly shot down. The real sticking point is that I have a lot of student loans, however they are on IBR and will be for the future. The ones I have gone to are sticking to the 1% of the loan amount (which is what FHA is, which I understand). However, Fannie Mae guidelines instituted in late April 2017 state that:

Student Loan Payment Calculation We are simplifying the options available to calculate the monthly payment amount for student loans. The resulting policy will be easier for lenders to apply, and may result in a lower qualifying payment for borrowers with student loans. If a payment amount is provided on the credit report, that amount can be used for qualifying purposes. If the credit report does not identify a payment amount (or reflects $0), the lender can use either 1% of the outstanding student loan balance, or a calculated payment that will fully amortize the loan based on the documented loan repayment terms. The current Desktop Underwriter® (DU®) message issued when an installment debt on the loan application does not include a monthly payment will be updated in a future release to reflect this new policy. Until then, lenders may disregard the statement in the message specifying the previous policy and follow the requirements in the Selling Guide. Effective Date This policy change is effective immediately.

This should make it so that IBR payments that show up on the CBR can be used. This makes the payments very manageable for us, where they are around $500 per month. In talking with the local credit union mortgage guy, he says that he realizes that is what the regulation says, however, the investors they sell the loans to don't currently want them to calculate that way. So in short, does anyone know of a local bank who will count the IBR payment on the credit report as opposed to going off the 1% rule?