I can not get a loan to save my life, and we have perfect credit.?

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I have a strange situation. My credit score is 810 and my wife is the 790th We accept no debt at all for our mortgage, which is due to over 500K. I make about 800K 400K by Jahr.Wir have to ask about a house and can not get a loan to save our lives. We’ve been waiting to go to the market and down and down and now some of these dream homes (1.2 to 1.9, funding 800K) are within our reach, and put an offer on one of them only to discover that there is NO Jumbo loan programs for everyone. I live in the Northwest region, and make money and great for the last 5 years. What should I do? Put a little cash at the bottom of our homepage this great rate of 5.5% and my mortgage payment from 4700.00 per month by mid-2000? Or should I try to find a hard money lender and walk to the big house (we have 3 children and another on the way )…. HELP. BTW-please do not hate us. I know we’re in a good position, but honestly, I have my whole life until recently, the poor. get my story straight? Listen Missy, I ask for help if you do not have any, then closed sie.Natürlich if income from my group is 800K per year on average, tax bills, mortgages, health spending, vacation , food, etc. .. I write. I do not make 800K a year and then just put in the bank. Damn. I knew it was a bad idea.

6 Comments
  1. Reply
    KK
    April 30, 2011 at 2:39 pm

    If you’re allegedy earning 800k annually there is no reason why you cannot afford a home. Either stop bragging or get your story straight.

  2. Reply
    STEVEN F
    April 30, 2011 at 3:24 pm

    Live on $ 200K and pay CASH in 2 years.

  3. Reply
    Sweetharttt
    April 30, 2011 at 3:39 pm

    Congratulations….

    If you are in the St. Louis area, please email me.

  4. Reply
    Patty D
    April 30, 2011 at 4:30 pm

    I want to make sure I am understanding your information correctly…. You currently own a home with a mortgage of $ 500k you are looking at purchasing a new home putting $ 400k down and financing $ 800k.
    Then you mentioned “income from my band” so I am assuming that means you are self employed. You will need to look at your last two years of tax returns and take the average of the two years to truly determine your gross monthly income. If that income does not support two mortgages (I am assuming the current home will not be sold before the purchase of the new home) then you may not qualify.
    Now when you ask about putting cash down on your home to reduce your mortgage payment, are you not investing the money somewhere else or are you willing to invest that money in your home where you do not have easy access to it?
    By the way – jumbo loans are still available, talk to another lender and be sure to take your tax returns to that you get a straight answer as to why you were turned down.

  5. Reply
    Robeo
    April 30, 2011 at 5:21 pm

    I do not understand the problem. ?? ( I am a Mortgage Broker)
    With your scores, half down — That is nina loan.
    No income no assets, nothing. My mortgage bank should be able to assist you. $ 434K is the beginning of Jumbo Loans. ???
    I would help you gladly………..

  6. Reply
    Jenny Wilson
    April 30, 2011 at 5:46 pm

    Hello every body my name is JENNY WILSON i live in CANADA just some weeks ago
    i received a loan of 15kcanada dollars from this loan lender pls help me to
    greet Mr Steve Davidson,this was how i saw his advertisement on net,

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