stated income loans

[Administrator]

my husband and i only qualified for a 150K loan when we applied for 350K. our stated income is 90K, however the last 3 years tax returns show 51K as our combined income. (i just recently went from part time to full time and can prove this with employment verification and paycheck stubs. and my husband recently got a raise.)both our FICO scores are 785, our debt is minimal. we were told we might qualify for 280K with 30% down, with a stated income loan. but we can only do 5% down. do we have any other options? thanks so much!


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(Source: mortgagefit.com)