Listen the banks care about 4 things, 1st how long have you been at your job or in the same career field, typically they need a 2 year minimum. 2nd they want to know how much money you make gross yearly. 3rd how much all your bills total monthly, thats all the minimums added up. The minimum due not what you may send in case you send extra on your bills which is a good thing. 4th of course your credit scores from Equifax, Experian and transunion. They will take the middle score of the 3 and use that as your basis. Which FHA or VA or Fani Mae or who ever programs have different score minimums. They will look at your history and any missed payments mostly in the last 2 years. More to follow out of space
