I have a new question. Why are you borrowing over $82,800? Is your income greater than $100k?

Do you need it because you ran out?
Need it for investments? (I see this happen a lot!)
Want it for something?
Planning on taking a long holiday in another country?

Just an opinion, I think the banks might see this as a potential bankruptcy if income does not support it. If income supports it a recon letter or phone call to credit dept might over turn a denial. I see many people max out for investments producing more income someplace else.

Message Edited by ilovepizza on 06-20-2007 12:52 PM