Loan for $215K with 20-25% DownTrying to get into a $215K loan, I've contacted a few lenders with pre approval, however not having any success getting it approved because of high ratios. Below is a summary of my current conditions and the house Im looking to buy:Credit score: 710+Annual Salary: $28,704 Base (2 years) $31,200.00 with OT (Not 2 years yet)Credit Cards: None all with $0 BalanceNo other accuring expensesHouse Location: Gresham, ORFunds for down payment and closing cost: $54,000Purchase Price: $210,000-$215,000HouseTaxes: $3,300.00 AnnualInsurance: $493 AnnualI would be interested in a 5/1 ARM, 7/1 ARM, or 30 year loans all either FHA or conventional. Please send me a message if you think you can get this approved through the underwriter. And please let me know what I can do to get this approved, either coming up with a higer down payment or a different program, etc. Also, before you contact pleaes make sure you have run my numbers above, I do not want to waste anyones time. RegardsDecember 10 2013 - US0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.