If you tried you best and still have the ability to show you can and will continue to earn a stable income, then I would try a bank mortgage expert vice a broker. My recommendation:
George L. Waldkirch
NMLS # 247334
400 Cardinal Lane
Hartland, WI 53029
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Keep in mind that home values in Wisconsin are greatly different than California. Have you had the opportunity to review homes in the Wisconsin market? We could start by reviewing some listings to see what your dollar will get you in Wisconsin compared to California.
Next, we would want to talk to a lender, as mortgage programs are changing on a daily basis, it would be best for us to get in touch with some good mortgage lenders to look at your financial picture to see what programs they have available for your scenario.
We then would work together to determine what you are looking for in a home and begin the home search process.... more