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Income based borrowing is key to mortgage suitability and sustainability.Instead of searching for a "legitimate loan" find out why you got denied. Treat this as a blessing in disguise. Ask your bank to send you their underwriting guidelines and rate sheet. Then do your homework.- Get form 4506-T from the IRS, (get 4 yrs. history of your 1040 2008- 2004)- As soon as you receive it use it to calculate your DTI.- Determine the value of your home. Call your loacal Realtor or better yet go to Zillow's home page and get the zestimate.- Read about LTV.At this point you shall have realized what would be better for you.The Bank that denied you is the bank you want to have as your Lender when the time comes. Make that your goal and I think you will be safe.
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For Sale: $645,000
For Sale: $429,000
For Sale: $899,950