Why can someone with terrible credit and practically no money get a mortgage, BUTa person with excellent credit, 30% down, no debt, and ready funds equivalent to approximately 3 years of a middle-income (net) doesn't even have an option to apply?August 23 2014 - US00YesReport 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.