So I just got off the phone with a mortgage banker with Chase mortgage the conversation went well and she was super nice. Very informative she asked about how much of a house I am looking to purchase and I told her $150,000 with a 40,000 down payment. But the thing that is worring me is the tax return information. Chase bank does not go over 30% from what you made last year if you are self employed, so if I made $30,000 in last year they wont look at 60,000 this year which would give me more house money .... she said it is considered unreliable if I were to double what I make since its only two years that was her looking at an conventional loan.



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