Best of Luck,
If you want to know for sure, I'll recommend you to the best in the business
714 553 7256
I've found nobody to beat his pricing, programs, and rates. And most importantly, he'll be honest in letting you know if it will be possible to obtain a loan right off the bat. Save yourself some time and trouble, just make a quick call to him and you'll know for sure.
I just sold ne of these to a client who had 200k down, but could get a loan, as he just moved out here from Canada.
Feel free to contact me by phone or email and I can go thru with other options.
Reon Boydstun Howard
The lenders will take account of your expenses and income to determine what you can qualify for and your overall credit profile. As far as your income , if you receive any type of bonus or overtime that can be documented - this can be included. As long as there is a two year history. In response to your wife's income she must have returns filed for the past two years if she is on the loan at all.
The NO income or stated programs are non existent . I hope this helps.