My odds of FHA loanMy credit scores are 671 690 678. I have an income of 73k before year end performance bonuses. 385 car payment, 100 in student loans, rent of 775 a month cell phone 75, cable tv 100, internet 73, groceries250, gas 200, car ins 140, and about 2900 in cc debt . I have a stained past with some late payments and a couple chargeoffs all of which have been settled and paid in full since 2008. I don't have a lot in my savings to put towards a downpayment and was going to take a loan out from my 401k to help with a dp.I was pre-qual'd from a mortgage broker who pulled my credit report and reviewed it with a loan officer and I was told that I shouldn't have any issues with securing funds for a home.I have selected a new home for 169900 and have set aside 8500 for a dp + 1k for earnest money already in escrow. Im looking to qualify for a loan of 160400.Do lenders base part approval on how much asset I have in my accounts? My current lease is set to expire oct 31st and rather then throw my money away, I want to purcahse.I will have a roomate who will be paying rent to me. Do lenders need to know this? Will it help? I know finacially I can afford the payments myself. Will the lender see it that way?Odds are?August 27 2012 - Atlanta0YesReport 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.