95%-100%, bank statement, stated income, 700+ score, SC

Hi Davidrosshiltonhead,

Welcome to the forum.

With all the details that you have provided, you can go for stated income mortgage. This type of loans are mainly designed for those borrowers who have good credit, but somehow are unable to show their income. All you need is to shop around with lenders offering this type of loan.

To know more on stated income loans, you may refer to http://www.mortgagefit.com/discuss/about2277.html#statedincome

You may be able to get a conforming rate or fairly close to it. Your lender or broker needs to be able to run LP.....There is a stated exspress program.

You may be able to qualify but more questions need to be answered.

1. How long have you been at your job?
a. Are you self employed?

2. What was your living situation previously?

You may be able to qualify but more questions need to be answered.

1. How long have you been at your job?
a. Are you self employed?

2. What was your living situation previously?

Depending on how many other liabilities you have and if you W2 you can go Full DOc and get a 100% financing with MI at around 6.5% one loan. Anywhere from 3% to 6% of the loan ammount can come from the seller to take care of your closing costs. You will likely need around 3k assets (401k, stocks, bonds, checking, savings) and a stable rental/work history for the last 2 years.