Asked by LuvforTX, Houston, TX • Wed Oct 23, 2013
I have 13 months of paystubs as a W2 employee same field 2 different employees in that period, low debt to income ratio, more than 20 percent down on first home loan between $200k-250k and mid credit score of 740 & I am unable to get financed because I don't have 2 yrs of employment and only one W-2? I am not self employed but do work as a contractor with fixed hours & Gross income on paystubs so far in 2013 is 100k . Everyone wants to run my credit report and impact my points but is hesitant to offer approval. Need an in house underwriter or person experienced in handling this situation who can look at my case and if required verify my assets. If possible I can put up to 35% down if it makes my profile look better. It will not impact my savings.
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