USDA Guaranteed lenders in PA - helpWe are first-time buyers looking for homes in Central PA. We're looking to relocate from NJ. We have been pre-approved for a loan. His credit is lendable through USDA (640 middle,) we have minimal debt (car payment and one secured card) and are approved for a 62k loan.Two issues:My husband works for a major retail outlet. His job is transferable. But, we cannot get a guarantee of transfer until we have a date when he will be available. Our LO is adamant that they can't move forward AT ALL with processing a loan committment until we have a job offer in writing. And due to the nature of the process and the potential for last-minute denial, I don't feel it's wise to move ahead with a job transfer without at least a loan commitment. So we are between a rock and a hard place. I understand that USDA and the lender must be sure we have the income to repay - but it seems as if it will be difficult to guarantee his ability to transfer without being fairly sure our loan will close in a certain timeframe, and being able to give them an availability date. Right now we can't even put an offer in on a home due to this stalemate.Second issue is that due to the transfer, he may face a small pay cut and due to that we may have to request a DTI ratio exception on the loan. The #1 factor in this is that we have negligible debt and are currently paying 900 dollars monthly for rent - whereas, after relocation, our estimated housing expense on a 62k loan is around 500 a month, max. So there is no payment shock. We're hoping that with proof of our ability to pay much more in rent than what we'd be paying on a mortgage, that we may be able to get a small exception on the DTI (it truly would be minor, my calculations have our housing payment being around 35%, worst case scenario - whereas we are surviving just fine right now with it well over 50% due to our lack of debt.) How feasible is this based on our situation? I appreciate any responses or insight.August 15 2013 - State College00YesReport 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.