Thanks for the advice. We went ahead and choose another lender. we'll see how this goes.

good afternoon.i don't believe the lender is trying to rip you off.....non-owner occpd pricing is higher...do this....write a letter, sign and date it regarding your intentions to move from your existing home and why....be precise and to the point, they are concerned about "buy and bail"...as all lenders are now....give it your your mtg rep to sumit to underwriting and tell him to switch lenders...you won't change the ideas already in the current underwriter's head....it is all about how well the point of changing houses is made...obviously, the point of why you want to move wasn't made....depending on how you finance the new home....you will need a certain portion of equity in the existing home....in order to use the income stated in the new lease to drive down your debt ratio.if there isn't sufficeient equity in the existing home, then you would need to qualify for both payments.be prepared to pay for an appraisal on your existing home to document the equity stated..best of luck...bob mcclure- success mortgage partners- plymouth, michigan.....