Asked by Jennifer, San Diego, CA • Mon Jul 21, 2008
I have a high debt to income ratio so I need a lender who knows their stuff. I'm paying 1600 a month (and it goes up every year!) now for a place I hate, I know the payment would be less for a house. I have one I can get for 260,000 if I act fast. I know I can make the payment I have a solid job and I'm on my way up, but this place I'm in now is dragging me down.
I don't have a lot in savings because I'm working to pay off my debt. I know the scenario the loan companys want 3 percent down, 3 payments in the bank besides, 5,000 a month or more coming in and no debt payments. Well I'm a real person, I built some debt getting where I am. I've achieved a good income and I'm paying off my debt, but I don't want to wait two years to move, I don't want to throw away thousands of dollars on this place I'm in (which I'll have to do if I stay), I want to get in a better situation now while the housing prices are low.
Don't advise me to stay, recommend someone I can work with please!
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