What are our chances of buying a house if any?We tried to start the home-buying process about 6 months ago and at that time we were told that our credit scores were too low. So, fast forward to now and currently my mid score is 650 and my wife's is 590. I again tried to start the process, supplied all my W-2's, pay stubs,etc, etc...and am now being told that my DTI was too high. My lender doesn't want to use my wife's info as a co borrower because of some credit dings that are the result of items that were ordered per divorce decree. I feel that her income would get us over that hump but not sure why he won't use it. I only make $70000 a year and so does my wife. I'm just trying to understand how my past W-2's along with my pay stubs are used to calculate ACTUAL annual income. Any help would be greatly appreciated.March 23 2014 - Lytle00YesReport 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.