Do you and/or your wife have outstanding debts, such as credit cards, students loans, which are subject to long term payments?
It is best to go to your local bank or a community bank or credit union and see what their rates are and how you qualify-can you get approved for a loan and for how much? What are your wife's fico and credits scores? These days it is not only scores which count, but other factors. On paper, you should not have difficulty but loans seem to be harder to come by.
Do you have other assets, such as investments, savings, Ira's, etc. which are liquid? Your income f\rom your salaries may or may not be suffificent although it is highly respectable.
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