Thank you for sharing your experience and the valuable information you have provided. I understand how challenging it can be to find a lender willing to review an application beyond just the credit score.
While every applicant's situation is different and approvals can never be guaranteed, I wanted to share that I recently obtained a loan through a lender in April after exploring several options. What stood out to me was that they appeared willing to take a broader look at my overall financial profile, including income and circumstances, rather than relying solely on automated credit decisions.
Given your strong income and the fact that you have a qualified co-signer, it may be worth reaching out to them to discuss your situation directly. At a minimum, they may be able to provide guidance on whether your profile fits their lending criteria before you proceed with a formal application.
I recommend confirming all terms, rates, fees, and eligibility requirements directly with the lender and avoiding multiple hard inquiries whenever possible.
