Asked by Adzling, 94901 • Sun Jul 19, 2009
my spouse and I.
I am self-employed, make anywhere from $40,000 to $80,000 in a year and am not able to document my income.
My spouse has been employed at the same job for over 5 years, makes @$70,000 and can document her income.
We both have excellent credit (im about 780 and she is above 800).
Our combined debt is very low (one monthly car payment of $280 and one student loan monthly payment of $100).
We are looking at buying a home in the $550,000-$580,000 range and are able to put a down payment of about $120,000.
Considering my inability to document my income what do you suggest?
Are there first time home buyer programs we can take advantage of?
Will our loan rate be completely shot by inability to document?
Will lenders even consider us in this market?
Any advice is gratefully received.
Real Estate in San Rafael
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