Hello again!

So, my situation unfortunately lies here. My husband and I live in So-Cal. And obviously have been running into some walls dealing with down payment assistance. It's either we make alot of money or not enough money to qualify for down payment assistance, (i.e. City D.P.A., CalHfa).

CalHfa had disqualified us because of my husband's length in his employment. Hubby makes overtime consistently and due to their restrictions, overtime is only counted if you've worked more than a year. So since they didnt count OT, our debt-to-ratio went up a percentage and was too high for underwriters to approve. So since we couldn't get the silent second, we couldn't get the loan. That was back in July.

City down payment assistance program, well, we made too much money to qualify, because they counted his OT. bummer.

My broker said we qualify for FHA but, we don't have enough money in the bank for a down payment. twice bummer.

I feel as if there are more options out there for us.