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Not trying to get into a symantics debate, but lenders are not telling you how much you can afford. They are telling you how much you can qualify for. We lenders are required to live within guidelines that often do not apply to certain individuals. Many people cannot afford what they can qualify for, but it sounds like you are on the other end of that spectrum. Yes, it's frustrating but most of this is trickling down from the various agencies.
This is so frustrating.. what every one is telling me buy a fixer upper,get that 45k home loan buy that pile of crap and then spend the next 2-5 years of your life dumping money into a bottomless pit. If I got 100k loan throw 20k on the table and move in paint some walls and hang drapes and be done with it. And enjoy your golden years. The system has too make it complicated. I will sit in hoover for several years and buy that time the 90k house will be 130k and again I won't be able too purchase do too some other excuse. A never ending cycle and you wonder why senior are grumpy.
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