My husband and I are tyring to get approved, our middle scores are 630/642, debt/income ratio fine,We are wanting to spend about $150K and we want to put $10-15K down. The morgage officer we were working with at our bank said our debt/income ratio was fine for that amount of house, however the deal breaker was the fact that right before he met me(January 2009), my husband gave up a car (he could no longer afford it) as a voluntary surrender because a moron friend of his told him it wouldn't hurt his credit. He has been at his job almost 8 years. I don't really have anything negative on my credit, just student loans which are in good standing, and I paid off my car this month which I'm sure hasn't been reflected on my score (I was never ever late). Any advice on how we could get approved soon? We were told to wait 6 months but we'd rather not!October 21 2010 - Augusta00YesReport 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.