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My wife and I make roughly $120,000 annually and have 0 debt. We have an $800 car payment divided basically 50/50 between the two of us. That being said I make a salary of 50K + commission and have been at this company for 4 month. My wife is a 1099 employee and has been working for less than two years.
In all the information we have been given it seems to me that according to a bank we make $50,000 combinded allowing us to purchase a @150,000 home. (we are looking more in the 380,000 – 415,000 range)
I have a 730 CS and my wife has a 754 CS on Equifax and are +/- 10 points on the other 2 agencies.
We have roughly 25,000 to put down. Are there an loan programs that would allow us to count all of our income?
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