When i say under contract I mean we are both salary not hourly workers. Have good credit. Simply asking if it would be hard for us to be approved due to the fact my wife ( higher salary) has only been working a few weeks. and with her loans. I projected our DTI at 18% before mortgage debt.
with 135,000 in student loans(She just Graduated Grad School) $430 truck payment and No credit card debt. She has no work experience due to grad school. I make 42,000 and she will bring in 130,000. We are both under contract. She just started this week. What could we be approved for? and how long would we have to wait to be approved for a loan?