Kard63

If I pay cash for a house and want to get a mortgage very soon after I buy it what should I expect? I don't have a normal job, not even very regular income. I don't want a shitty interest rate either. I thought I would be able to compensate for the extra risk by maintaining a very large amount of equity in the house but the 2 places I spoke to today said that would not help. Should I call more? I don't see why that would not be a huge help. If I only want a mortgage for 60%-70% of the home's value I think giving me the standard rate plus overlooking my irregular income should be easily achieved. Whats the fucking deal?

I forgot to mention I have a very high credit score and enough money where it is very obvious that making the house payment would not be an issue for me. I have no debt and twice as much money as the house costs in short term investments.

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