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Without knowing your whole situation, it is impossible to know if you would be able to qualify for more. Another question is, if you could qualify how much more do you think you could actually afford to pay? Oftentimes people get loans that while they do fit within the lender's guidelines, they pretty much can't afford to do anything else besides pay their mortgage. Unfortunately, I understand that the prices in your area are relatively high so this is a real problem. Please contact me if I can be of more assistance. I may be able to help to get you qualified for a higher amount.
I agree with the answer about finding an FHA lender in Orange County. They only require 3% down, and some lenders may know of local programs that will finance the 3%. Also check out Bank of America--I think they still have a teacher home loan program that is more affordable. Many lenders will offer discounts for people with income below the medium, which you probably qualify for, might help you qualify for a slightly larger loan. Prices are way down now so call a good local Realtor and ask if you might find condos in foreclosure or REOs that you could afford. Or perhaps you have a friend or fellow teacher who would like to be a partner and roommate in a property & you could qualify for a bigger place with two incomes. If so, have a real estate attorney help you write up a partnership contract. Don't give up!
No doc loans are pretty much nonexistant now since the mortgage crisis, so that is not an option. Try buying a distressed or foreclosed property. I was single when I bought my house and decided to buy a bankowned property b/c it was much cheaper than all the other homes in the neighborhood I wanted to live in. I also obtained an FHA loan. If you decide to buy a bankowned/foreclosure property have an home inspection done to detect any MAJOR or COSTLY repairs up front. I was fortunate -- my house was ugly as sin but structurally sound. I painted everything myself to save money and had new floors put in. My home is beautiful now and my mortgage is super cheap. Goodluck!
Bear in mind that when you called your bank, they may have just pre-qualified you for that loan amount on basic information you gave them..The real home loan amount may change (may be lower) when you get pre-approved. It also depends on your debt to income ratio too. If you ask me, that's not a bad amount..I make a bit more than you, and I was given a lower home loan amount. But of course, Hopedale is expensive. Try going through your state housing authority for great rates and see if you can get a specific loan because of your occupation.
The only way you can do this is to save up for a large deposit.You need to remember,the bigger a loan the more interest you will pay.Why don't you come and teach in New Zealand? $47,000 your money equals $141000, in our dollars.You could buy a fair decent shack in the South Island for that.
$200,000 is pretty good, but it sounds like you may need a big down payment or try a no document loan. This means you wouldn't have to prove your income... however your debt to income ratio will need to be decent. I bought my first home this way but my payment was pretty high.
FHA has a program for you it is a teacher loan. Seek out a mortgage broker that is FHA approved in your area and he or she will get you prequalified I am a mortgage banker in Hopedale & KY
Unfortunately, you might have to save for a down payment. otherwise, your income would not allow you to make a large loan.