Quick question(s)
When they look at your dti and ratios etc, do they take into consideration provable capability??
For example, my calculations with our income and our debts on auto calculators say we can only afford a mortgage around 325k because we would not be able to afford a mortgage payment of more than say 2300 (ball park) The house we owned previously the mortgage was 2480 and we never once were late, we currently have been renting the same home for 2 years with a monthly payment of 2600 a month with check stubs and all the proof one would need.....The hous we want to build will be needing a mortgage of about 345-348.....its not a huge difference
So I guess I am asking is will they bend any if you can prove you are capable (with proven track record) of more than they "think" you can handle buy a couple hundred dollars???
Thanks
