[cliffdweller]

Hi Snapple,

Thanks for the post. That makes sense, but the #s don't quite add up in my case, so not sure how they are figuring the gross salary. Maybe they looked at the bank statements....will find out next week, hopefully. $1740 PITI works, but $2340 PITI does not...so could have more negotiation to go.

Did your work-out #s work out for you as 31% of gross? Good luck on your second...I haven't even gotten my head fully around the first quite yet.

What would be ideal for me would be if they would forgive $20K off my second, and put my Chase & WaMu credit cards on there. The interest rates have gone sky high. Have you heard of anything like this happening?

thanks again,