Thank you for your words of wisdom and advice. I greatly appreciate everyone's assistance. I am just afraid that we won't get approved due to DTI or my husbands lack of credit history. We do have a few credit sources that are not reported to credit bureaus so that may help his credit history. We will keep plugging along and eventually realize our dream of owning our own home. We have been married for 13 years and are really tired of paying rent. LOL!
Starting Score: TU: 615 EQ: 590 EX: 611(Fako)