As you have read, there is no reason, based on what you have shared.
Now, be aware, there are other issues that have a bearing on the outcome that have not been revealed.. You may find it beneficial to chat with a professional who specializes in finding solutions. If you are needing to buy a home, chat with a real estate professional. They have a team of folks who have specific resources to whom they can direct you for financing with minimal costs, low down payment, jumbo, etc......and have a history of SUCCESS.
Promises won't get you into a house. Those with a proven history of success will. That is the value of a professional.
We offer a no document loan that does not require any credit. If you have 35% down we can finance the remaining balance. We don't require financials, job history, tax returns or credit scores, etc... Please let me know if you'd like more information.
There are several programs that you can work with local lenders in the Southern Indiana market that can help get you approved for a loan. Feel free to contact me and i can give you the names and numbers of those people.